vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My student loans are currently in deferment, yet they are being reported in a manner that is inaccurate and damaging to my credit history.

Since these loans are in deferment, they should not be repordted as delinquent, late, or past due. I am not requesting that you investigate this matter, contact the furnisher and delete these inaccurate entries so my credit report reflects the correct deferment status.

Enclosed are copies of the following supporting documents : 1. Deferment approval notice from my servicer Please provide me with written confirmation once your investigation is complete and my credit report has been updated.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX  Account # XXXX Date Opened : XX/XX/year>

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 2025-12-26 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: LA

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 explanation
Consumer complaint received 2025-12-26 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: LA

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I was XXXX  of my belongings in a grocery store parking lot. As I was loading grocery bags into the trunk of my vehicle an unknown person appeared and grabbed my XXXX backpack from the shopping cart and ran away. Inside my backpack were my cell phone, wallet and credit cards. I was able to borrow a phone and contacted Synchrony bank on XX/XX/year> to report the theft. I was told there were fraudulent charges that took place on my credit card. A fraud claim was started. After a few weeks I received a letter stating the dispute was denied because I participated in the transaction. I absolutely did not participate in making any of those transactions. I called synchrony bank and I was told by the investigations department on XX/XX/year> a text message was sent to verify the charge on XX/XX/year>, and that's why the claim was denied. I explained multiple times from the beginning that my cell phone was among the items inside my XXXX  backpack that were also stolen. I did not participated in making any of those charges on XX/XX/year>.

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 2025-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
EXETER FINANCE LLC Account No. : XXXX Account Type : Auto Loan Status Reported : Petition for XXXX XXXX Bankruptcy Status Updated : XX/XX/year> Open/Closed : Closed DISPUTE TEXT ( COPY & PASTE ) This tradeline is inaccurately and incompletely reported under XXXX XXXX and the Fair Credit Reporting Act. 
The account is reported as Petition for XXXX XXXX Bankruptcy but the payment history is blank and marked Data Unavailable, which violates XXXX XXXX requirements for complete and accurate monthly reporting. 
Under XXXX XXXX bankruptcy reporting standards, once an account is included in a XXXX XXXX petition, the tradeline must accurately reflect its bankruptcy status and maintain consistent, verifiable reporting fields, including proper historical coding and status consistency. 
Reporting an account as included in bankruptcy while leaving the payment history blank or unavailable is misleading and unverifiable, and does not meet the maximum possible accuracy requirement of 15 U.S.C. 1681e ( b ). 
Because this account was included in my XXXX XXXX bankruptcy, and the current reporting contains missing and unverifiable XXXX XXXX data, I am disputing this tradeline and requesting either full verification with complete XXXX 2compliant data or deletion of the tradeline.

If Exeter Finance can not produce documentary evidence supporting every reported field, deletion is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information fromthe file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am disputing an alleged debt of {$65.00} reported by Credit Collection Services ( CCS ) on behalf of XXXX. I cancelled my XXXX auto insurance policy effective XX/XX/XXXX and do not owe this balance. I disputed the debt in writing and requested validation and creditor information under the FDCPA. CCS never provided validation and continued reporting the account to credit bureaus, causing credit damage. I also contacted XXXX multiple times requesting correction and recall from collections, which was ignored. I have documentation proving cancellation and non-liability. I am requesting immediate deletion of this tradeline from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: LA

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 2025-12-26 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:
These accounts are not connected to me, and I am requesting their removal within the 15-day period mandated by 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 2025-12-26 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: VT

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 2025-12-26 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: OH

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to respectfully explain my situation regarding a collection debt that was recently brought to my attention. I am submitting this letter in good faith and with full honesty, as I truly did not have prior knowledge of this debt and am currently unable to pay it due to financial hardship. 

Until being contacted by a collection agency, I was completely unaware that this account existed or that it had gone into collections. I never received clear notice, statements, or warnings that this debt was outstanding. Had I been aware of it earlier, I would have taken steps to address the issue or seek assistance before it reached this point. 

At this time, I am experiencing significant financial difficulty. My income is limited and is primarily used to cover basic living necessities such as housing, food, transportation, and other essential expenses. I do not have disposable income or savings available to pay this debt, and attempting to do so would cause serious hardship for me. 

I want to be clear that I am not trying to avoid responsibility. I am simply asking for understanding and fair consideration of my circumstances. I am requesting that this matter be reviewed carefully, including whether proper notice was provided, and whether the collection activity is accurate and appropriate.

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 2025-12-26 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: FL

Complaint narrative:
b'I am submitting this formal request for the immediate and permanent removal of multiple inaccurate and unverifiable items currently reported on my credit file across Experian, Equifax, and TransUnion. I have reviewed my credit reports carefully and identified several collections and inquiries that are either duplicated, outdated, or inaccurately reported, and therefore should be permanently removed in accordance with federal law.\nRegarding collections, XXXX reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, has inaccurately reported the same debt multiple times, reflecting a balance of XXXX on Experian, Equifax, and TransUnion. This repeated reporting is misleading, inaccurate, and constitutes a violation of FCPA 807 (15 U.S.C. 1692e) and FDCPA 809 (15 U.S.C. 1692g). Additionally, XXXX XXXX XXXX, as the reporting agency for XXXX XXXX XXXX XXXX XXXX has inaccurately reported a balance of XXXX  on Experian. These items are not only misleading but also cause harm to my credit reputation and financial opportunities, and therefore must be permanently removed.\nIn addition, I dispute multiple hard inquiries that were inaccurately reported or are otherwise unverifiable. On Experian, the disputed inquiries include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On TransUnion, the disputed inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are inaccurate, unauthorized, or unverifiable and should be removed immediately in accordance with FCRA 619  15 U.S.C. 1681q, FCRA 604(a)  15 U.S.C. 1681b(a), and FCRA 604(f)  15 U.S.C. 1681b(f).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
b'I am submitting this formal request for the immediate and permanent removal of multiple inaccurate and unverifiable items currently reported on my credit file across Experian, Equifax, and TransUnion. I have reviewed my credit reports carefully and identified several collections and inquiries that are either duplicated, outdated, or inaccurately reported, and therefore should be permanently removed in accordance with federal law.\nRegarding collections, XXXX reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, has inaccurately reported the same debt multiple times, reflecting a balance of XXXX on Experian, Equifax, and TransUnion. This repeated reporting is misleading, inaccurate, and constitutes a violation of FCPA 807 (15 U.S.C. 1692e) and FDCPA 809 (15 U.S.C. 1692g). Additionally, XXXX XXXX XXXX, as the reporting agency for XXXX XXXX XXXX XXXX XXXX has inaccurately reported a balance of XXXX  on Experian. These items are not only misleading but also cause harm to my credit reputation and financial opportunities, and therefore must be permanently removed.\nIn addition, I dispute multiple hard inquiries that were inaccurately reported or are otherwise unverifiable. On Experian, the disputed inquiries include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On TransUnion, the disputed inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are inaccurate, unauthorized, or unverifiable and should be removed immediately in accordance with FCRA 619  15 U.S.C. 1681q, FCRA 604(a)  15 U.S.C. 1681b(a), and FCRA 604(f)  15 U.S.C. 1681b(f).'

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