vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-13 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: GA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-13 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: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX  and XXXX  has received multiple disputes regarding the NELNET student loan account that is reporting late payments between XXXX and XX/XX/year>. There are XXXX Nelnet student loan accounts, each reporting XXXX late payments in 2020, which is a total of XXXX late payments reporting on each report. I have sent Transunion and Experian proof of forbearance and they have failed to actively/manually investigate the inaccuracies after my disputes were initiated. Moreover, have multiple times verified the information as " verified as accurate ''. This is a violation of the FCRA and UCC. The late payment should be reflecting " paid as agreed '' with the active COVID forbearance in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of an XXXX XXXX account XXXX XXXX as a charge-off since 2023. This account is being reported across all three credit bureaus despite being inaccurate, unverifiable, and in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

This continued reporting violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. Reporting a charge-off without verifiable proof of ownership, a signed agreement, or a legitimate accounting record constitutes reckless disregard for accuracy standards. No valid investigation or documentation has ever been provided by XXXX XXXX or any of the credit bureaus to substantiate this account. 

Under 15 U.S.C. 1681i ( a ), once a dispute is received, the bureaus are legally required to conduct a meaningful reinvestigation and provide a detailed Method of Verification. None of the bureaus have complied with this requirement. A form-letter response without supporting documentation does not satisfy the statutory obligation under the FCRA. Continued reporting after a failed verification constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCEis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Consumer : XXXX XXXX Phone : ( XXXX ) XXXX Financial Institution : JPMorgan Chase Bank , N.A . 
Account Type : Chase Sapphire XXXX Credit Card Date of Closure : XX/XX/year> Summary of Complaint Chase Bank abruptly closed my Chase Sapphire Preferred credit card account despite my excellent payment history and responsible use. I have never missed or delayed a payment and have routinely paid well above the minimum due, often making large payments to keep my balance low. 

When I contacted Chase for clarification, I was informed that the closure was due to the fact that I recently became an authorized user on another credit card with a different bank. Chase representatives stated that this new relationship was the reason they decided to close my account. 

I explained that my relationship with another bank should not affect my standing with Chase. I have maintained my Chase account impeccably and have never engaged in any conduct that would justify closure. The decision appears arbitrary, discriminatory, and unrelated to my individual creditworthiness or performance with Chase. 

Why This Is Concerning XXXX. Unfair and retaliatory action : Chases closure is not based on any risk or delinquency associated with my account. Linking unrelated accounts from other institutions to justify termination is unreasonable and punitive. 
XXXX. Lack of transparency : Chase has failed to provide a clear written explanation for its decision, despite multiple requests, contrary to consumer disclosure rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Potential credit harm : Closing a long-standing account negatively impacts my credit utilization ratio and overall score, which can have lasting financial effects. 
XXXX. Responsible account history ignored : I consistently managed the card responsibly, paid on time, and never exceeded limits or engaged in risky activity. 

Requested Resolution I am requesting that the Consumer Financial Protection Bureau review Chases actions for potential unfair or deceptive practices under the FCRA and other applicable laws. Specifically, I request that : Chase provide a written, specific explanation of the closure decision. 
Chase correct any adverse credit reporting resulting from this closure. 
Chase reconsider reinstating the account or acknowledge in writing that the closure was not due to any misconduct or delinquency on my part.

Supporting Details I have previously contacted Chase by phone 4 times and through written correspondence 2 times requesting documentation and reconsideration, but the bank has refused to provide a satisfactory explanation or remedy.

I am submitting this complaint because I believe Chases decision was unfair, unjustified, and damaging to a long term customer who has acted in full compliance and good faith. 

Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  Account Number : [ 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 2025-10-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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: WI

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 explanation
Consumer complaint received 2025-10-13 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: WI

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Purchased car XX/XX/year> from XXXX XXXX XXXX in XXXX AZ. For {$10000.00}. Never received car .they won't answer my calls. XXXX XXXX keeps calling for payment of loan. Explained everything but no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate Credit Reporting - HEIGHTS FINANCE ( Acct : XXXX ) This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Consumer Financial Protection Bureau ( CFPB ) guidance, regarding the inaccurate reporting of the account listed above. I demand an immediate investigation, deletion of any unverifiable or inaccurate information, and written confirmation of the outcome. 
The following inaccuracies and issues are identified : * Account is reported as charged-off and closed with {$4800.00} written off, but payment history contains inconsistent and inaccurate late notations across multiple months. 
* Dates of delinquency are reported inconsistently across bureaus and do not align with actual payment history. 
* If charged off, any continued reporting of a balance without issuance of a 1099-C violates IRS regulations and the FCRA requirement for accuracy. 
These inaccuracies harm my creditworthiness and violate the FCRA 's requirement for maximum possible accuracy in consumer reports ( 1681e ( b ) ). The CFPB has previously taken enforcement actions against furnishers and bureaus for similar violations. 
If you can not verify each disputed item with proper documentation from the original creditor, you must delete it from my credit file within 30 days, as required by FCRA 1681i ( a ). Continued reporting of inaccurate or unverified information will result in complaints filed with the CFPB and Attorney General, and potential legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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 am submitting a formal dispute regarding inaccurate and inconsistent reporting of a student loan account on my credit reports, which is negatively affecting my credit and preventing me from purchasing a home. 

Account in Dispute : Original Creditor : Department of Education / XXXX  Account Number : XXXX The account is reported inconsistently across the three major credit bureaus ( Equifax, XXXX XXXX XXXX ), and may contain inaccurate, incomplete, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), Sections 1681i, 1681c-2, 1681 ( 2 ) ( a ) ( i ), 1681s-3, and 1681n, all information reported to credit bureaus must be accurate, complete, and verifiable.

I am requesting : 1. An immediate investigation of this account by all credit reporting agencies.

2. Verification from the creditor of the account balance, payment history, and status. If verification can not be provided, the account and any reported late payments must be deleted.

3. Correction or deletion of any inaccurate or inconsistent reporting across all three bureaus.

It is evident that the current reporting is either a mistake by the creditor or an error by the credit bureaus. Failure to correct or delete unverifiable or inaccurate information violates my rights under FCRA and may entitle me to remedies under 15 USC 1681n.

I request written confirmation once the necessary corrections or deletions have been completed. I expect this matter to be resolved within the 30-day timeframe required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal dispute regarding inaccurate and inconsistent reporting of a student loan account on my credit reports, which is negatively affecting my credit and preventing me from purchasing a home. 

Account in Dispute : Original Creditor : Department of Education / XXXX  Account Number : XXXX The account is reported inconsistently across the three major credit bureaus ( Equifax, XXXX XXXX XXXX ), and may contain inaccurate, incomplete, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), Sections 1681i, 1681c-2, 1681 ( 2 ) ( a ) ( i ), 1681s-3, and 1681n, all information reported to credit bureaus must be accurate, complete, and verifiable.

I am requesting : 1. An immediate investigation of this account by all credit reporting agencies.

2. Verification from the creditor of the account balance, payment history, and status. If verification can not be provided, the account and any reported late payments must be deleted.

3. Correction or deletion of any inaccurate or inconsistent reporting across all three bureaus.

It is evident that the current reporting is either a mistake by the creditor or an error by the credit bureaus. Failure to correct or delete unverifiable or inaccurate information violates my rights under FCRA and may entitle me to remedies under 15 USC 1681n.

I request written confirmation once the necessary corrections or deletions have been completed. I expect this matter to be resolved within the 30-day timeframe required by 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
FORMAL REQUEST FOR DOCUMENTATION I am formally requesting, as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and applicable federal law, the following documentation to validate the alleged debt and establish Amerifinancial Solutions, LLCs legal authority to collect or report it : Complete Chain of Title / Chain of Custody from the original creditor to Amerifinancial Solutions, including all intermediate assignments or transfers. There must be no contractual gap between entities. 

Forward-Flow Agreement or Equivalent Transfer Agreement governing the sale or transfer of this specific account or group of accounts.

Executed Contract of Assignment or Bill of Sale showing that Amerifinancial Solutions acquired full legal rights and title to enforce the alleged obligation. 

Original Signed Credit Agreement and Full Account-Level Documentation substantiating the amount, terms, and origination of the alleged debt. 

II. LEGAL SUPPORT This request is supported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), which held that failure to produce a complete chain of title and purchase agreements constitutes insufficient validation under federal law. The court clarified that a mere data printout or internal record is not adequate ; proper documentation of assignment and ownership is mandatory before any collection or credit reporting may lawfully occur.

III. NOTICE OF POTENTIAL VIOLATIONS If the requested documentation is not provided through this process and Amerifinancial Solutions , LLC continues to : Report this account to any consumer reporting agency, or Engage in any collection activity, such actions will constitute willful violations of the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 
These actions may also constitute defamation and unfair or deceptive practices under federal and state law. 

IV. FINAL NOTICE AND INTENT TO LITIGATE Consider this correspondence final notice. If full compliance with the above requirements is not achieved, I intend to initiate litigation in federal court to seek all available relief, including : Statutory damages under the FDCPA and FCRA ; Actual damages for emotional distress and harm to credit reputation ; Attorneys fees and court costs ; and Any equitable or injunctive relief deemed appropriate. 

Please provide all requested documentation within thirty ( 30 ) days of receipt of this notice.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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