vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
I am requesting the immediate deletion of this account from my credit file. The information is either inaccurate, incomplete, outdated, or is causing unnecessary harm to my credit profile, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

My reasons for requesting deletion include the following : The account is closed and no longer relevant to current or future credit decisions.

The account may be inaccurately reporting negative information or contains incomplete data ( e.g., incorrect payment history, status, dates, or balance ).

As required by the FCRA, I request that you : Conduct a full reinvestigation into the accuracy and reporting of this closed account.

Delete the account entirely from my credit file if you can not verify the accuracy with supporting documentation.

Provide a written response with the results of your investigation within the 30-day period mandated by 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am a customer of Nelnet and XXXX, account number XXXX. 

I believe this company may be violating its obligations under the GrammLeachBliley Act ( 15 U.S.C. 68016809 ) regarding the privacy and safeguarding of my personal financial information and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding the accuracy and integrity of information reported to consumer reporting agencies.

My concerns include : I have not received a clear and accurate privacy notice describing how my nonpublic personal information is collected, used, or shared.

I believe my information may have been disclosed to non-affiliated third parties without my consent. 
I am concerned that reasonable safeguards to protect my data from unauthorized access have not been implemented.

I believe inaccurate or incomplete information about me may have been reported to consumer reporting agencies, which is harming my creditworthiness.

Requested action : Please investigate whether Nelnet has complied with the GLBAs Financial Privacy Rule, Safeguards Rule, and Pretexting provisions.

Please investigate whether Nelnet is complying with FCRAs requirements for accurate reporting and prompt correction of disputed information.

Please require the company to provide me with its most recent privacy notice and information-security policy, and to confirm how my information is being used, safeguarded, and reported. 

Thank you for your assistance. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dispute of False Late Payments Demand for Correction and Proof To Whom It May Concern : I am formally disputing the completeness and accuracy of the payment history reported on my TransUnion credit file for the following accounts. Multiple entries show late payments that are inaccurate and constitute billing errors under 15 U.S.C. 1666 ( b ) and Regulation Z.

Disputed Accounts & Months : XXXX Account # XXXX Late payments reported : XXXX & XX/XX/year> XXXX XXXX Status Code : 93 ( incorrect ) Correct to DA / AL Billing Error Categories : E ( Payments/Credits Not Posted ), D ( Math / Computation Error ) XXXX XXXX XXXXXXXX No Account # Late payments reported : XXXX & XX/XX/year> XXXX XXXX Status Code : 93 Correct to DA / AL Billing Error Categories : E, D XXXX XXXX  XXXX Account XXXX XXXX Late payment reported : XX/XX/year> XXXX XXXX Status Code : 93 Correct to DA / AL Billing Error Categories : E, D XXXX XXXX Account # XXXX Late payments reported : XXXX & XX/XX/year> XXXX XXXX Status Code : 93 Correct to DA / AL Billing Error Categories : E, D Legal Basis for Dispute : 1666 ( b ) ( 4 ) : Creditor failed to properly reflect payments made.

1666 ( b ) ( 5 ) : Computation/accounting errors on statements.

Reg Z 1026.5 ( b ) ( 2 ) ( ii ) : 21-day statement notice not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I am writing to formally dispute the unauthorized accounts on my credit report. These accounts were opened without my knowledge, authorization, or consent, and their presence violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MI

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Equifax and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation
of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I revoked all ACH/debit authorization with Dave in writing and unlinked my bank accounts. This was more than the required 3 business days before the scheduled withdrawal, in compliance with Daves own Terms & Conditions.

Despite this, Dave debited {$230.00} from my account on XX/XX/year>. This is an unauthorized transfer under Regulation E ( 12 CFR 1005.10 ).

I have made repeated attempts to resolve this, but Dave continues to send generic robo-responses about settlement dates and refuses to acknowledge the revocation or refund the funds. One of their representatives even stated that revocation does not apply to ACH, which is legally false.

Here is my timeline : XX/XX/XXXX ( XXXX  ) : Initial email revoking ACH/debit authorization and requesting confirmation. 

XX/XX/XXXX ( XXXX  ) : Follow-up requesting immediate confirmation. Dave replied that revocation can not be completed due to ExtraCash, contradicting their own Terms. 

XX/XX/XXXX : I again demanded confirmation, stating clearly that I legally revoked authorization. No confirmation provided. 

XX/XX/XXXX : Continued daily requests. Replies were automated or evasive. 

XX/XX/XXXX : Final warning sent : Dave is not authorized to touch my account. No response. 

XX/XX/XXXX : Despite all of the

above, Dave withdrew {$230.00} from my account without authorization. This unauthorized withdrawal caused immediate financial harm, as these funds were required for court costs due the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable.

The continued presence of these fraudulent entries is alarming and strongly indicates possible identity theft. Leaving this issue unresolved is causing ongoing emotional and financial harm.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
Collecting agency reporting debt thats not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I am disputing the way BARCLAYS BANK DELAWARE is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, BARCLAYS BANK DELAWARE, with account # XXXXXXXX XXXX XXXX XXXX XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-09-22 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Above Lending, Inc.
State: NC

Complaint narrative:
I believe I am a victim of predatory lending. I was working with a company called above lending. They called advising that I have been doing well in the program and have made my payments on time for over a year. They informed me they had a sister company " Above Lending '' and that I could try to get a loan through them to pay off my remaining credit card balance, it would help boost my credit and that I could pay the loan off early with no penalty ( knowing that would be impossible ) at the rate they're going. They offered {$15000.00}, I asked what if I didn't need all the money I was approved for and if I could just send it back toward the loan? They informed me the remaining monies that wasn't used would be sent to my personal account ; I could keep it or pay it back toward the loan. I received a payment of the difference from beyond finance for {$1100.00}. Per the loan, the annual percentage rate is 27.20 %, the finance charge is {$15000.00}, the amount finance is {$14000.00}, origination fee is {$760.00} and the total of payments is {$29000.00}. The loan agreement date was XX/XX/year>, I have paid {$1000.00} thus far and the balance due is {$15000.00}. I called concerning about the amount that has been paid in already and the balance barley decreasing and was advised I was being charged {$10.00} a day in interest, there's no way I can pay this loan off early at that rate. Not one time did anyone mention {$10.00} a day, I would have never agreed to that. My plans were to add more to my monthly payments of {$410.00} a month, but that's not feasible with all the interests attached to this loan. This is definitely predatory lending ; I was okay where I was with beyond lending before I was predatorily approached to get a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
The XXXX XXXX  sold a debt that didn't belong to me. Then asked me to pay them. This isn't my debt or my card. I don't owe them from 2021 they need to remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I made XXXX transactions on my navy federal account. First transaction was made on XX/XX/XXXX for {$53.00}, which posted to my account on XX/XX/XXXX. Second transaction was made on XX/XX/XXXX for {$9.00}, which posted to my account on XX/XX/XXXX. The funds were available in the account and deducted from my balance as a hold at the time of both transactions. My account does not have overdraft services. Therefore, every transaction made on this account was covered at the time of purchase with available funds. Once, I made all the transactions needed in my Navy account, I transferred funds to my other banking institution. I check my account daily. I checked my account on Saturday to realize that my account had been placed in a negative status for the XXXX transactions listed above. I reached out to navy federal with no success to resolve this issue or any complete explanation of how could this happen when every transaction made on my account should have been covered with available funds. I am being told that I need to make a deposit to cover balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
A utility account from XXXX XXXX was reported to my credit by XXXX XXXX XXXX in XX/XX/XXXX for {$110.00}. I did not open this account or authorize it. This is either identity theft or a reporting error. 

In XX/XX/XXXX, I noticed multiple unauthorized withdrawals from my XXXX XXXX  account, each under {$400.00}. I reported the fraud, and my bank reversed the charges. The account was blocked to stop further withdrawals. 

I have never lived in Pennsylvania, where XXXX operates. I contacted XXXX and was hung up on. I also tried to dispute the account with Experian, but they require a phone call and no one answers. I asked the debt collector for validation but got no response. 

This account is clearly fraudulent and should be deleted from my credit report immediately. I am requesting full 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 non-monetary relief
Consumer complaint received 2025-09-22 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: NRA Group, LLC
State: FL

Complaint narrative:
A utility account from XXXX XXXX was reported to my credit by National Recovery Agency in XX/XX/XXXX for {$110.00}. I did not open this account or authorize it. This is either identity theft or a reporting error. 

In XX/XX/XXXX, I noticed multiple unauthorized withdrawals from my XXXX bank account, each under {$400.00}. I reported the fraud, and my bank reversed the charges. The account was blocked to stop further withdrawals. 

I have never lived in Pennsylvania, where XXXX operates. I contacted XXXX and was hung up on. I also tried to dispute the account with XXXX, but they require a phone call and no one answers. I asked the debt collector for validation but got no response. 

This account is clearly fraudulent and should be deleted from my credit report immediately. I am requesting full removal.

Company response to consumer: Closed with explanation