vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On [ date submitted ], I submitted a written dispute to ChexSystems challenging multiple inaccurate, incomplete, and unverifiable entries in my consumer file. My dispute included : Negative Accounts : XXXXXXXX XXXX  Acct XXXX XXXX XXXX Overdrafts Closed XX/XX/XXXX {$280.00} Reported as unpaid. 
XXXX XXXX Acct ending in XXXX NSF Activity Closed XX/XX/XXXX {$1300.00} Paid in full XX/XX/XXXX but still reported negatively. 
XXXXXXXX XXXX Acct XXXX XXXX XXXX Overdrafts Closed XX/XX/XXXX {$1000.00} Paid in full XX/XX/XXXX but still reported negatively. 

Inaccurate Addresses : Requested deletion of all but current address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Outdated addresses include : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

Unauthorized/Inaccurate Inquiries : 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  Under 15 U.S.C. 1681i, ChexSystems must conduct a reasonable reinvestigation and delete unverifiable information. Under 1681b, inquiries require permissible purpose if they can not be proven, they must be deleted. 

These inaccuracies have caused denials for new banking accounts, financial harm, and reputational damage.

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 2025-08-10 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/scrub>XX/XX/XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX USC XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$8900.00} XX/XX/XXXX XXXX XXXX {$9100.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX XXXX CRED XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX U.S.C, XXXXsection XXXX XXXX. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( XXXX ) 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 XXXX years. XXXX U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-10 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Comprehensive FCRA Dispute Unauthorized Hard Inquiry Dated XX/XX/year> Dear Credit Reporting Agency, I am formally disputing the unauthorized hard inquiry listed on my credit report, dated XX/XX/year>. This inquiry was made without my knowledge or consent and is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Relevant FCRA Protections & Your Obligations FCRA 604 ( a ) Credit reports may only be furnished for a permissible purpose with consumer authorization. No such authorization exists for the XX/XX/year> inquiry. 
FCRA 605 Consumer reporting agencies must not report inaccurate or unverifiable information.

FCRA 607 ( a ) You are required to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 609 ( a ) ( 1 ) & ( a ) ( 3 ) I have the right to request all information in my file and the identification of each person who procured my credit report, including their name, address, and permissible purpose.

FCRA 611 ( a ) You are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice of dispute.

FCRA 611 ( a ) ( 5 ) If information is found to be inaccurate or unverifiable, it must be promptly deleted from my file.

FCRA 611 ( a ) ( 7 ) Upon request, you must provide a description of the procedure used during reinvestigation.

FCRA 616 Willful noncompliance with the FCRA entitles me to actual damages, statutory damages, punitive damages, and attorneys fees.

FCRA 617 Negligent noncompliance entitles me to actual damages and attorneys fees.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information they know or have reasonable cause to believe is inaccurate.

FCRA 623 ( a ) ( 8 ) You must include my dispute in any future reports about this account or inquiry until resolved. 

Disputed Inquiry : Creditor Hard Inquiry Date : XX/XX/year> My Formal Demand : XXXX. Provide documented proof ( with my signature ) authorizing the XX/XX/year> inquiry. 
2. Remove the inquiry from my file if you can not produce such proof.

3. Provide the name, address, and permissible purpose of the party who obtained my credit file.

4. Provide a written summary of the reinvestigation process and results, as required by 611 ( a ) ( 7 ).

If you fail to meet these obligations, I will treat it as a willful violation under 616 and 617, and I will pursue all available remedies, including litigation and regulatory complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General.

I expect your written response and an updated credit report within 30 days, as mandated by the FCRA.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Comprehensive FCRA Dispute Unauthorized Hard Inquiry Dated XX/XX/year> Dear Credit Reporting Agency, I am formally disputing the unauthorized hard inquiry listed on my credit report, dated XX/XX/year>. This inquiry was made without my knowledge or consent and is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Relevant FCRA Protections & Your Obligations FCRA 604 ( a ) Credit reports may only be furnished for a permissible purpose with consumer authorization. No such authorization exists for the XX/XX/year> inquiry. 
FCRA 605 Consumer reporting agencies must not report inaccurate or unverifiable information.

FCRA 607 ( a ) You are required to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 609 ( a ) ( 1 ) & ( a ) ( 3 ) I have the right to request all information in my file and the identification of each person who procured my credit report, including their name, address, and permissible purpose.

FCRA 611 ( a ) You are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice of dispute.

FCRA 611 ( a ) ( 5 ) If information is found to be inaccurate or unverifiable, it must be promptly deleted from my file.

FCRA 611 ( a ) ( 7 ) Upon request, you must provide a description of the procedure used during reinvestigation.

FCRA 616 Willful noncompliance with the FCRA entitles me to actual damages, statutory damages, punitive damages, and attorneys fees.

FCRA 617 Negligent noncompliance entitles me to actual damages and attorneys fees.

FCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information they know or have reasonable cause to believe is inaccurate.

FCRA 623 ( a ) ( 8 ) You must include my dispute in any future reports about this account or inquiry until resolved. 

Disputed Inquiry : Creditor Hard Inquiry Date : XX/XX/year> My Formal Demand : XXXX. Provide documented proof ( with my signature ) authorizing the XX/XX/year> inquiry. 
2. Remove the inquiry from my file if you can not produce such proof.

3. Provide the name, address, and permissible purpose of the party who obtained my credit file.

4. Provide a written summary of the reinvestigation process and results, as required by 611 ( a ) ( 7 ).

If you fail to meet these obligations, I will treat it as a willful violation under 616 and 617, and I will pursue all available remedies, including litigation and regulatory complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General.

I expect your written response and an updated credit report within 30 days, as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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 submitting this complaint to formally dispute an auto loan being reported under my name by XXXX XXXX. I do not recognize this account, and I have never applied for, co-signed, or authorized any such loan with this company.

This account does not belong to me, and I believe it is the result of an error or potential identity theft. I am requesting that this matter be fully investigated. If the lender can not provide verifiable documentation with my signature proving that I am responsible for this account, I request that it be removed from my credit report immediately.

I have never conducted business with XXXX XXXX, and the reporting of this false account is causing harm to my credit profile and reputation.

Please confirm receipt of this complaint and update me with the results of your investigation.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the collection account reported by Collection Bureau of Ft Walton on my credit file. 

This account contains inaccurate and/or unverifiable information, as indicated in my credit report. Specifically : 1. The account is listed as opened XX/XX/XXXX, yet also shows closed XX/XX/XXXX, which is contradictory and can not be accurate. 
2. I do not have a valid record or signed agreement proving this debt is mine or that the amount of {$14000.00} is correct.

3. The reporting lacks documentation that meets the legal standards for validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX. I reported to XXXX and Rocket Mortgage but it didn't help. I still get emails, calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
I reached out in XXXX XXXX to inquire about them deleting the student loan off my report. They claimed they had a suppression but couldnt tell me why. They told me everything will report at the end of the month. They put in a case with me and never followed up. A month later I called again and they told me my account wont report until the end of XXXX. 

They told me all payments will be reported for both parts of the loan. They only reported one part and they reported that no payments were made from XXXX. Just updated the balance even though they were taking out payments. 

They said they would fix it at the end of XXXX but reported again that there no payment for XXXX but updated the balance. No payments for XXXX. They told me my account was deferred due to Covid from the previous loan provider. They reported payments but when Nelnet took over nelnet is showing I didnt make any payments. 

Ive reported to all the credit bureaus, I provided nelnets statements to show theyve been taking payments from me but they wont fix the issue because when they reach out to nelnet, they claim everything theyve been reporting is accurate. 

I spoke with a representative a couple of weeks ago and they said they dont have to report payments because when they suppress or receive a dispute, they dont report the payments. 

Now my credit score is going down because it looks like Im not making payments even though I have been. I want nelnet to correct this. Prior to them initially deleting the loans off of my credit, it showed I had 80 % payments on time, now it shows on 30 %. 

I cant get a car all because everyone is afraid to do business with me because Nelnet want to drag their feet and not be honest. Nelnet is lazy and dont want to take the time to report payments, they just want to update the balance which isnt the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
XXXX XXXX, XXXX, XX/XX/2000 This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX EMPLOYEES FED - XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
On XXXX XXXX XXXX I received an email from American Credit Acceptance stating a {$340.00} fee was added to my account after I had already paid nearly {$1700.00} to reinstate my vehicle following repossession. This fee was never disclosed in the reinstatement payoff quote. Previously, when I went to pick up my car, I was told I needed to pay a {$250.00} lot fee, but the staff tried to charge me over {$400.00} at the time. They later confirmed I only owed {$250.00}, which felt misleading. 



The recent {$340.00} fee and the short payment deadline of less than 24 hours sent on a Sunday when their offices were closed prevented me from disputing or clarifying these charges before the deadline. I believe this is an unfair practice intended to force me into default and potential re-repossession. 



I am requesting the following resolution : A full, itemized statement of all repossession-related fees, including the lot fees and this new charge. 

Confirmation that no additional undisclosed fees will be added without my prior written consent. 

A reasonable payment deadline to review and dispute any fees. 

Waiver or credit of any improperly charged, duplicated, or undisclosed fees. 

Assurance that my account will not be considered in default or subject to repossession during this dispute. 



Please investigate these practices and ensure I am treated fairly throughout this process.

Company response to consumer: Closed with explanation