vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$68000.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$3700.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$2200.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$8800.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XXXX Balance {$4900.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$6100.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$8200.00} DEPT OF ED Account number XXXX Account type Student loan Date opened XX/XX/XXXX Balance {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year>. Called in to Home Depot Customer Service with rerouting to appropriate section after getting the bill for a new Home Depot Consumer Credit Card that I did not apply for. I have an older Home Depot credit card that I am using and the account statement and new credit card mail had not been opened. Got information from the service person on what the fraud charges are : Refrigerator and Induction Stove. Had said to the service person that I nor any one of my family members or anyone that had authorized control of the card had bought those things. Got a fraud claim and investigation ensued. The total fraud claim is for {$4500.00} and a new account number was issued with no credit card sent out. XX/XX/year>. Got new mail from Home Depot determining that the unauthorized usage of the account was done by me and I am thus responsible for the charges in question. This is not true as I am not the one responsible for the charges listed. Provided documents include : Initial Fraud Claim Document, Final Fraud Claim Statement, Pictures of Refrigerators and Induction Stove from my house ( they are not the ones from the charges ), Transaction Details, Account Dashboard showing total Balance and other information. There are only XXXX authorized addresses and any other address would not be authorized by me. On XX/XX/XXXX, I was given another statement from Citi saying the same thing about how I was the one making the charges. Citi had taken down the {$1400.00} and the {$18.00} fraud charges but the {$3000.00} fraud charge is still there. Since Citi had taken down the other XXXX fraud charges and not the last {$3000.00} that should mean that {$3000.00} should also be considered a fraud charge as I did not make a purchase costing {$3000.00}.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the following charged-off accounts and inquiries reported by Equifax. These items have been inaccurately reported and need to be corrected immediately. 

Charged-Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$490.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I initiated a wire transfer from XXXX bank to HSBC ( XXXX ) to another person 's account for $ XXXX usd on XX/XX/XXXX. The funds were never deposited into the person 's account and after contacting HSBC XXXX they told the individual that the funds were held up in their USA branch and had never been sent over. XXXX opened a dispute and asked for the funds to be returned to my account, but no updates or funds returned. This has caused financial harm, and I request and investigation and recovery. 


I had done a test transfer for XXXX three week prior to make sure account information and routings were correct and it was successful. 

XXXX - transfer sent XX/XX/XXXX - followed up with XXXX on why it had not arrived and sent XXXX follow up information XX/XX/XXXX Dispute opened by XXXX with HSBC XX/XX/XXXX Additional information sent from XXXX to HSBC XX/XX/XXXX Requested funds be returned ( XXXX to HSBC ) XXXX Called HSBC XXXX refused ( XXXX XXXX ) to help said it was XXXX problem transferred me to XXXX HSBC  ( XXXX XXXX XXXX he said that HSBC USA had never sent the funds so he couldn't help XX/XX/XXXX XXXX sent reminder of dispute to HSBC XXXX - Filed compliant with CFPB I haver the XXXX number if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and several accounts on my credit reports were opened or reported without my authorization. I discovered these fraudulent accounts while reviewing my reports dated XX/XX/XXXX. 

The following accounts are not mine and were opened or placed in collections without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}, opened XX/XX/XXXX XXXX XXXX XXXX / PayVantage {$280.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, opened XX/XX/XXXX Ability Recovery/ XXXX XXXX {$1100.00}, opened XX/XX/XXXX XXXX XXXX {$1000.00}, reported XX/XX/XXXX I placed an extended fraud alert in XXXX, and I have repeatedly disputed these accounts with Experian, TransUnion, and Equifax. I provided each bureau with my government ID, proof of address, and my identity theft report. Despite this, the credit bureaus refused to block or remove these accounts as required under 15 U.S.C. 1681c-2, and many remain on my reports.

I am requesting CFPB assistance to require all three credit bureaus to fully investigate, block, and delete the fraudulent accounts, remove related negative information, and ensure they comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 filing this complaint because I am a victim of identity theft, and several accounts on my credit reports were opened or reported without my authorization. I discovered these fraudulent accounts while reviewing my reports dated XX/XX/XXXX. 

The following accounts are not mine and were opened or placed in collections without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00}, opened XX/XX/XXXX XXXX XXXX XXXX / PayVantage {$280.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, opened XX/XX/XXXX Ability Recovery/ XXXX XXXX {$1100.00}, opened XX/XX/XXXX XXXX XXXX {$1000.00}, reported XX/XX/XXXX I placed an extended fraud alert in XXXX, and I have repeatedly disputed these accounts with Experian, TransUnion, and Equifax. I provided each bureau with my government ID, proof of address, and my identity theft report. Despite this, the credit bureaus refused to block or remove these accounts as required under 15 U.S.C. 1681c-2, and many remain on my reports.

I am requesting CFPB assistance to require all three credit bureaus to fully investigate, block, and delete the fraudulent accounts, remove related negative information, and ensure they comply with the Fair Credit Reporting Act.

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 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I am filing this complaint because Nelnet reported a XXXX-day late payment on my student loan without providing the required notifications, and their communication system appears to have failed for over a year. 

I am not disputing that the payment was technically late. I am disputing the fairness and accuracy of the reporting due to Nelnets failure to notify me that ( 1 ) my deferment was not in place and ( 2 ) my account was becoming delinquent.

Despite my email address and home address being correct for the entire past year, I did not receive a single email from Nelnet not monthly statements, not reminders, not delinquency notices, and not any communication indicating an issue with my account. 

After I contacted Nelnet, they sent me the attached emails explaining that : Email notifications are only sent if the email is valid and deliverable. 
If their system can not deliver a message, emails stop being sent. 
They rely on the online account for communication delivery. 

This means that for at least a year, Nelnet did not send me any emails, even though my email address on file was correct. 
This is a failure of their notification system, not a failure on my part. 

They also stated that they did not leave voicemails due to privacy, which left me with no communication at all that payments were due or that my account was approaching a severe delinquency. 

I have a long history of years of on-time payments and I have always maintained accurate contact information. If I had received even one email or notice, I would have addressed the issue immediately.

I am requesting CFPB assistance because : 1. Nelnet failed to provide reasonable, documented attempts to notify me, as required by standard servicing practices before reporting a XXXX delinquency. 
2. Their system failure prevented me from receiving any alerts for more than a year.

3. Nelnet denied my goodwill request despite acknowledging communication failures. 
4. The XXXX late mark is the result of lack of notice, not negligence. 

I am requesting that the XXXX late payment be removed or corrected in light of Nelnets communication failure and lack of proper notification. 

Thank you for helping review this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments reported by Experian. These accounts have been reported inaccurately, and I request that you take immediate action to investigate and resolve these errors. 

Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$20.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This collection account, reported by National Credit Systems for XXXX at XXXX XXXX, shows a balance of {$110.00} and is listed as unpaid. I never authorized or opened this account. I disputed this account multiple times with the credit bureaus and requested full validation from the collection company, including the original lease agreement, signed documents, and payment history. To date, no documentation has been provided. Despite my disputes, the account continues to be reported on my credit file, negatively affecting my credit score and financial situation. I request a full investigation and proper verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Company Complained About : Experian Subject : Failure to maintain accuracy ; unlawful reinvestigation ; improper verifications ; Metro-2 violations ; refusal to provide 609 ( a ) disclosures. 
________________________________________ Summary of Complaint I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 3 ) & ( b ).

Experian is reporting multiple accounts that are inaccurate, incomplete, unverifiable, re-aged, and nonMetro-2 compliant, despite multiple disputes.

These include : Three XXXX XXXX XXXX charge-offs An XXXX XXXX XXXXharge-off A XXXX  XXXX negative account Experian continues to verify these accounts using automated e-OSCAR responses, without obtaining actual documentation from furnishers, violating the reasonable reinvestigation requirement under 611.

Experian has also failed to provide 609 ( a ) ( 1 ) ( A ) source documentation, even when formally requested.

This is unlawful.

________________________________________ Detailed Narrative Experian is reporting several accounts with : Conflicting balances Inconsistent Date of First Delinquency ( DOFD ) Multiple charge-off dates Balance updates after charge-off Missing or incorrect Metro-2 fields Incorrect payment history coding Potential illegal re-aging Failure to mark accounts as disputed Verification done without documentation I sent Experian a detailed FCRA 609 ( a ) and 611 dispute letter requesting full documentation.

Instead of providing actual evidence, Experian simply marked the accounts as " verified, '' which violates : 611 ( a ) ( 2 ) : Reasonable reinvestigation 609 ( a ) ( 1 ) ( A ) : Full source disclosure 607 ( b ) : Maximum possible accuracy 602 ( a ) ( 1 ) : Fair and accurate reporting duty 623 ( a ) ( 3 ) : Duty to mark accounts as disputed Experians continued furnishing of unverifiable information is causing ongoing harm.

________________________________________ Applicable Violations FCRA 602 duty to maintain fairness & accuracy FCRA 607 ( b ) failure to maintain reasonable accuracy procedures FCRA 609 ( a ) ( 1 ) ( A ) failure to disclose data sources FCRA 611 unreasonable reinvestigation FCRA 623 ( a ) ( 3 ) failure to note disputes FCRA 623 ( b ) reinvestigation failure by furnishers, accepted by CRA Metro-2 Format Violations ________________________________________ Harm Suffered Negative impact on creditworthiness Higher interest rates Denied or unfavorable credit terms Emotional and financial hardship Inability to obtain optimal insurance/banking pricing ________________________________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Company Complained About : Experian Subject : Failure to maintain accuracy ; unlawful reinvestigation ; improper verifications ; Metro-2 violations ; refusal to provide 609 ( a ) disclosures. 
________________________________________ Summary of Complaint I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 3 ) & ( b ).

Experian is reporting multiple accounts that are inaccurate, incomplete, unverifiable, re-aged, and nonMetro-2 compliant, despite multiple disputes.

These include : Three XXXX XXXX XXXX charge-offs An XXXX XXXX XXXXharge-off A XXXX  XXXX negative account Experian continues to verify these accounts using automated e-OSCAR responses, without obtaining actual documentation from furnishers, violating the reasonable reinvestigation requirement under 611.

Experian has also failed to provide 609 ( a ) ( 1 ) ( A ) source documentation, even when formally requested.

This is unlawful.

________________________________________ Detailed Narrative Experian is reporting several accounts with : Conflicting balances Inconsistent Date of First Delinquency ( DOFD ) Multiple charge-off dates Balance updates after charge-off Missing or incorrect Metro-2 fields Incorrect payment history coding Potential illegal re-aging Failure to mark accounts as disputed Verification done without documentation I sent Experian a detailed FCRA 609 ( a ) and 611 dispute letter requesting full documentation.

Instead of providing actual evidence, Experian simply marked the accounts as " verified, '' which violates : 611 ( a ) ( 2 ) : Reasonable reinvestigation 609 ( a ) ( 1 ) ( A ) : Full source disclosure 607 ( b ) : Maximum possible accuracy 602 ( a ) ( 1 ) : Fair and accurate reporting duty 623 ( a ) ( 3 ) : Duty to mark accounts as disputed Experians continued furnishing of unverifiable information is causing ongoing harm.

________________________________________ Applicable Violations FCRA 602 duty to maintain fairness & accuracy FCRA 607 ( b ) failure to maintain reasonable accuracy procedures FCRA 609 ( a ) ( 1 ) ( A ) failure to disclose data sources FCRA 611 unreasonable reinvestigation FCRA 623 ( a ) ( 3 ) failure to note disputes FCRA 623 ( b ) reinvestigation failure by furnishers, accepted by CRA Metro-2 Format Violations ________________________________________ Harm Suffered Negative impact on creditworthiness Higher interest rates Denied or unfavorable credit terms Emotional and financial hardship Inability to obtain optimal insurance/banking pricing ________________________________________

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Received correspondence on XX/XX/XXXX from Jefferson Capital regarding a debt from XXXX XXXX stating at I owe {$89.00} as of XX/XX/XXXX. 

I am not familiar with this company and do not owe debt to any company or affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Kansas counselors failed to verify that I owe them money. They never sent any paperwork stating where I signed or if they have any statements from their company to me and I feel my rights are being violated because of 15 US C I did not give authorization for fair credit reporting act to verify my information with the credit bureaus.

Company response to consumer: Closed with non-monetary relief