vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal request for a security freeze to be placed on my consumer file, as provided under 15 U.S. Code 1681c-1 of the Fair Credit Reporting Act ( FCRA ). Under federal law, once a consumer reporting agency receives a valid request along with proper identification, it is legally obligated to place the security freeze within XXXX business day for requests made online or by telephone, and within XXXX business days for requests made by mail. This request is being submitted electronically via the CFPB portal, which qualifies as an online submission directly received by your agency. Accordingly, your statutory obligation is to complete the freeze within XXXX business day of receipt. I have attached my signed request letter and all standard forms of identity verification, including a government-issued ID and proof of address. These documents are sufficient and meet industry standards. I am utilizing the CFPB portal intentionally, to establish a clear, time-stamped, and verifiable record of delivery and agency response. In light of ongoing litigation and regulatory scrutiny involving consumer reporting agencies ' failure to fulfill statutory duties, this submission route serves as a preemptive safeguard against noncompliance. It also eliminates the possibility of lost requests, manufactured delays, or unsubstantiated procedural hurdles. I expect this request to be completed within the timeframe mandated by law, with a formal confirmation and issuance of any required PIN or reference number. Any attempt to delay, ignore, or complicate this process will be treated as a failure to comply with federal law. Be advised that noncompliance is enforceable under 15 U.S. Code 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), and may expose your agency to civil liability, actual and punitive damages, and attorneys fees.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im disputing multiple charge-off and collection tradelines on my Experian report as inaccurate and/or not properly verified under FCRA 611 ( 15 U.S.C. 1681i ). I have highlighted the report pages showing account name, masked account number, status, balance, balance-updated date, key dates, and ( where shown ) original creditor.

Collections XXXX XXXX XXXX XXXX Acct XXXX listed as a Collection for {$2800.00} ; original creditor shows XXXX XXXX Please provide itemized accounting and chain of assignment/ownership ; otherwise delete. 


XXXX XXXX XXXX Acct XXXX listed as Debt Buyer / Collection {$440.00}. Please provide the purchase/assignment documents and itemization ; otherwise delete. 


XXXX Acct XXXX shown as Collection {$410.00} ; furnish original-source documentation or delete. 


Charge-offs ( original creditors ) XXXX XXXX Acct XXXX Account charged off ; balance {$2900.00}. Please verify DOFD used for 7-year aging and correct any post-charge-off reporting errors. 

XXXX XXXX Acct XXXX Account charged off ; balance {$440.00} ( written off {$480.00} ). Verify DOFD/aging and ensure remarks and balance treatment are accurate. 

XXXX XXXX Acct XXXX Account charged off ; balance {$140.00} ( written off {$190.00} ). Provide original agreement/charge-off detail or delete. 

Personal information Please retain my current legal name and address and remove the listed variants/old addresses that do not reflect my current identity or residence. Names shown include XXXX XXXX XXXX ( keep ) and other variations ; addresses page shows a list of former addresses. 

Experian flags my XXXX XXXX XXXX tradeline ( acct [ XXXX ] ) as Potentially Negative based on past delinquencies, but the current status/remarks are overstated or contradictory to the accounts present condition ( e.g., closed/paid/transferred with no active delinquency ). Please conduct a reasonable reinvestigation under FCRA 611 to correct the remarks and status to accurately reflect the account today ( retain historical lates as appropriate ), remove the Potentially Negative label, and provide the method of verification for any coding you keep. 


Requested resolution : Delete any item that can not be verified with original-source documentation ( including DOFD and full chain for collections ) and correct any status/remark/balance errors. Please confirm corrections to me in writing.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I disputed an account reported by Navy Federal Credit Union with XXXX. The account is being reported as Charged Off while simultaneously showing a Past Due Amount of {$14000.00}. 



This is factually inaccurate and violates : FCRA 1681i ( a ) ( 1 ) CRAs duty to conduct a reasonable reinvestigation.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or should know is inaccurate.

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Once an account is charged off, the Past Due Amount field must not continue to show a balance, as this misrepresents the legal status of the debt. 



I previously disputed with XXXX  ( XX/XX/year> ). They marked the investigation as completed consumer disagrees, but the inaccurate reporting continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/year>XXXX  I purchased online with XXXX a sell phone a XXXX XXXX XXXX XXXX XXXX XXXX. I tried to get it cut on with XXXX, they couldn't cut it on. The 3rd party had a sticker on the back of the phone with the sims number and another long number on the back of the phone. The phone doesn't work XXXX couldn't cut it on and I want my money back for XXXX dollars. I called my credit card company Discover to open a dispute claim with Discover and XXXX. I'm waiting and want my XXXX dollars back for a non- working phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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 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 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 2025-08-16 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: NJ

Complaint narrative:
GreatLakes was the service provider for my student loan since XXXX. GreatLakes changed my service provider to NelNet in XXXX and all notifications to my email address were automatically filtered to spam as NelNet was not a recognised sender. 

My gmail account automatically deletes spam messages every 30 days and I did not receive any of the notifications of the outstanding payment due as I thought I was done with my loan payments. 

The outstanding balance was {$180.00} I was notified that my credit score dropped from XXXX to XXXX on XX/XX/XXXX and I immediately investigated it. Upon figuring out that there was an outstanding student loan payment, I paid the balance in full on XXXX XXXX, XXXX. My credit card provider also reduced my available line of credit as a result, which has taken months to sort out. 

I requested a goodwill adjustment from NelNet to remove the late payment from my credit history, as this was an accidental oversight caused by system failure and not reflective of my financial consistency with all other student loan payments.

NelNet denied my request on the basis of maintaining fairness but a single missed payment has wreaked havoc on a hard-won credit score and hardly seems fair t
o not be offered an adjustment for such a small amount of money and immediate rectification of the issue.

I am requesting that a goodwill adjustment be made for this single late payment to restore my credit score as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
my information was exposed in the 3 credit reporting angenies data breaches my social was used to used to obtain car loans and other accounts that dont belong to me. i have filed a idenity theft reports and im currently going over my reports

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 2025-08-16 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Since XXXX  Equifax is refusing to grant me access to my own credit profile and refuses to correct my name on the profile, even after submitting documentation to correct these issues. To date I still have no access to my online crefit profile and my name has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MO

Complaint narrative:
I opened a netsmart account advertising a {$200.00} bonus when having a direct deposit of {$400.00}. I fulfilled my portion of the offer and did not receive the bonus, which seems to be a common theme amongst other people online. 

Offer details XXXX XXXX XXXXXXXX

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 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNT : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: ND

Complaint narrative:
My original amount that I owed to XXXX XXXX XXXX was XXXX from XX/XX/XXXX. It was sent to collections to Hunter Warfield, and the markup went from XXXX to XXXX. On XX/XX/XXXX, I called Hunter Warfield. They told me I couldn't negotiate the amount I pay, and they refused to explain how I got to XXXX. In good faith, I came to a settlement payment plan. I made a payment of XXXX dollars on XX/XX/XXXX. It was withdrawn out of my account on the XXXX. I asked for a confirmation email that I made that payment and was denied. I was told by XXXX XXXX, that once I made the final payment on this " settlement '' I would receive a receipt 24 hours later. On XX/XX/XXXX I sent an email to Hunter Warfield, asking for clear terms of the payment plan, written assurance that no legal action be taken against me while I make these payments, and a receipt for the XXXX payment. They never replied. I paid XXXX on XX/XX/XXXX and it was withdrawn from my account on XX/XX/XXXX. Also was denied a receipt for that payment and was told again that I would receive a receipt once I made my last payment. Called back on XX/XX/XXXX and paid the " last '' XXXX and was charged a random processing fee for using a card. I paid with the same card every time and on the last payment they decide to charge me this ghost fee of XXXX. I received a receipt 24 hours after the last payment. It is very vague, and I still have not received an itemized receipt stating how the amount skyrocketed to XXXX, and how they let me " settle '' for XXXX with no explanation. Again I have made the payments in good faith, because I wanted to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 2025-08-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I disputed unfair credit reporting for XXXX XXXX  for the XXXX XXXX XXXX   that was repo in XXXX. I disputed Toyota Financial for the IS XXXX that was totaled and payed off in XXXX. These two accounts were discharged in my XXXX  XXXX bankruptcy and XXXX, XXXX. & XXXX, the creditors refuse the I remove the information and they are aware that it has been discharged! I would like to file a lawsuit for reporting negative information and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Complaint to the CFPB regarding M & T Bank Date of Incident : XX/XX/year>XXXX  Financial Product : ATM deposit I am filing this complaint because M & T Bank failed to properly investigate a disputed ATM transaction and unfairly reversed a provisional credit. 
On XX/XX/year>, I attempted to deposit {$500.00} in cash at an M & T Bank ATM. The machine malfunctioned, retained my cash, and displayed an error message instructing me to contact customer service. The ATM did not provide a receipt or any other record of the transaction. 

Immediately after the incident, I reported the issue to a teller at the branch and submitted a formal claim. I was told I would receive a provisional credit while the bank 's investigation team reviewed the matter. 

I received a letter on XX/XX/year>XXXX  ( post dated XX/XX/year> ) from M & T Bank stating that the investigation had concluded and my provisional credit would be reversed. The letter claimed the transaction was processed correctly. When I called the bank to inquire, I was told that a third-party company had balanced the ATM and found no discrepancy. 

The bank representative also stated that the ATM showed the transaction as canceled. 
I asked the bank representative to provide specifics about the investigation, including : * The date and time the ATM was balanced. 
* The frequency of the ATM balancing checks. 
* Whether surveillance footage of the incident was reviewed. 
* Whether the ATM was taken out of service after the incident. 

The representative was unable to answer any of these questions and directed me to speak with the branch manager in person. The lack of detailed information suggests that M & T Bank did not conduct a thorough investigation into my claim. It appears they relied solely on a third-party report without taking basic steps, like reviewing video footage, to confirm what happened. 

I am requesting that the CFPB compel M & T Bank to conduct a proper and transparent investigation into this matter. I believe a review of the surveillance footage from the ATM on XX/XX/year>, will confirm my account of the incident.

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 monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On or about XX/XX/XXXX i challenged this account an its was removed. 

TRANSWORLD SYSTEM Inc. 
XXXX XXXX PA XXXX Account No : XXXX Original Creditor : XXXXXXXX XXXX XXXX  Current Owner : TRANSWORLD SYSTEM Inc. 

i received an alert on XX/XX/XXXX from XXXX, XXXX  and XXXX  are reporting the same account under a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Phone No : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX Balance : XXXX However, pursuant to FRCA the three credit bureaus are only suppose to be reporting accurate information. 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please remove this collections account from all three of my credit reports because this is injurious which will hinder me reaching my financial goals and order them to cease and desist reporting inaccurate informing to a credit reports..

Company response to consumer: Closed with explanation