vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
Dispute Submission to CFPB Nelnet Credit Reporting Issue : Inaccurate late payment reporting on student loan account ( XX/XX/XXXX XX/XX/XXXX ) Details : I am disputing the accuracy of late payment notations reported by Nelnet on my student loan account for the months of XX/XX/XXXX through XX/XX/XXXX. 
My loans were transferred from Nelnet to XXXXNelnetXXXX in XX/XX/XXXX. As part of that transfer, XXXX confirmed in writing that : A no-pay forbearance was placed on my account effective XX/XX/XXXX. 
An administrative forbearance was applied retroactively to cover the period of XX/XX/XXXX through XX/XX/XXXX, which includes the disputed months. 
XXXX reported the account as current as of their first credit update on XX/XX/XXXX. 
Despite this, my credit reports ( XXXX XXXX XXXX XXXX  ) reflect late payments from XX/XX/XXXX through XX/XX/XXXX that originated with Nelnet before the transfer. These late notations are inconsistent with the administrative forbearance that was applied and should not have been furnished. 
Request for Resolution : Investigate the accuracy of Nelnets reporting of late payments for XXXX XXXX. 
Direct Nelnet to remove the inaccurate late payment history from all nationwide consumer reporting agencies ( XXXX XXXX XXXX XXXX  ). 
Provide me written confirmation that the correction has been made. 
Supporting Evidence : XXXX written response confirming the loan was reported as current and that any prior derogatory history was furnished by Nelnet. 
These derogatory marks are materially harming my credit profile and my ability to secure financing for my medical education. I respectfully request that the CFPB review this matter and require Nelnet to correct the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
Inaccuracies Found Heres what stands out : 1. Personal Information Your name is listed differently across bureaus : XXXX  : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  : XXXX XXXX Equifax : XXXX XXXX XXXX / XXXX XXXX XXXX Inconsistent name reporting. Should be uniform. 

Addresses dont fully match across bureaus : XXXX  lists multiple old addresses that XXXX  and Equifax do not. 
Old/inaccurate addresses should be removed unless you want them kept. 

XXXX. XXXX XXXX XXXX XXXX  XXXX  shows : Balance owed {$580.00} as of XX/XX/XXXX. 

XXXX both show the account closed in XXXX, but still report a balance. 

Payment history : XXXX  shows none reported while XXXX show multiple charge-offs in XXXX. 
This is inconsistent. An account cant be both closed in XXXX and still updating late marks in XXXX. 

XXXX. XXXX XXXX XXXX  : XXXX owed {$150.00} in XX/XX/XXXX. 

XXXX  : XXXX it closed in XXXX but still updates negative marks into XXXX. 

Equifax : Shows lates from XXXX ( XXXX, XXXX, XXXX, XXXX  days late ) but then XXXX afterward. Yet account marked charge-off. 
This is contradictory reporting across bureaus. 

XXXX. XXXX XXXX XXXX  : No lates reported. 

XXXX  & Equifax : Report severe lates and a charge-off through late XXXX. 

Status dates conflict ( XXXX  says last activity XX/XX/XXXX ; XXXX  says XX/XX/XXXX ; Equifax says XX/XX/XXXX ). 
Reporting not consistent. 

XXXX. XXXX XXXX XXXX XXXX  : Reports {$0.00} balance but charged off. 

XXXX  : XXXX last payment XX/XX/XXXX but then negative lates throughout XXXX. 

Equifax : Similar but inconsistent late history. 
Can not be both {$0.00} and actively delinquent. 

XXXX XXXX XXXX XXXX XXXX shows dispute already filed, but XXXXEquifax do not. 

Equifax shows XXXX times XXXX days late, which is inconsistent with the timeline. 

XXXX  : Reports NONE REPORTED for payment history. 
Same account showing wildly different histories. 

XXXX. XXXX XXXX XXXX  : Reports balance {$140.00} as of XX/XX/XXXX. 

XXXX  : Says balance {$140.00} but closed in XXXX. 

Equifax : Also reports balance {$140.00}, but activity dates dont line up. 

Payment histories differ significantly. 
Should be corrected. 

XXXX. Late Payment Counts Days Late 7 Year History varies drastically by bureau : TransUnion consistently shows XXXX late marks. 

Experian shows XXXX, XXXX, XXXX across accounts. 

Equifax shows dozens of XXXX late marks ( up to XXXX and XXXX on some accounts ). 
This is inaccurate. Same accounts should not report XXXX vs XXXX lates. 

Summary of Issues : Name/Address inconsistencies. 

Conflicting balance/closed dates. 

Charge-offs reported after account closure. 

Different bureaus reporting vastly different late payment counts. 

Duplicate or outdated negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$20000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am disputing the late payment recorded on my credit report, which is entirely inaccurate and inconsistent with my payment history. I have maintained a record of making all payments on time, and this false entry unfairly tarnishes my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Fraudulent and unverified accounts have been placed on my credit file without my consent. Under FCRA 605B and 611, I demand the immediate removal and blocking of these accounts and confirmation they will not be reinserted. The credit bureaus failure to properly investigate and remove unverifiable, fraudulent information is a violation of federal law. 

The fraudulent accounts are ; XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX : {$1800.00} Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 605B, credit reporting agencies are required to block and remove all information resulting from identity theft from my credit file once I provide notice and supporting documentation. In addition, under FCRA 611, the credit bureaus must conduct a reasonable reinvestigation of disputed information and can not continue reporting unverifiable, fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of this year I was in a financial bind paying for two mortgages and couldnt make my payments on my credit card. I stopped using and paying on the credit card and interest continued to build on it. By the end of XXXX I was able to sell one of the houses and pay off the credit card in full ( approximately {$12000.00} ). When I spoke to them I made it clear I was done with the card and the account had already been closed for several months anyway. The next month, in XXXX, they sent me another bill for over {$100.00} stating that I owed them for interest on the card for the previous balance. I told them I made it clear I was done with the account and wanted the total amount due when I paid it in full. Now its been two months and the interest has built up to over {$150.00} and they continue to call and send bills saying I owe them. Its extremely frustrating and maybe I am being stubborn but I am not giving them another cent. Especially because I havent used the card since the beginning of the year and the account has been closed for 4-5 months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX corrected a late payment reported for XX/XX/XXXX. It was updated on all XXXX credit bureaus and was showing as on time. On XX/XX/XXXX Experian put the late payment back onto the report. I filed a case with XXXX and they confirmed that I do not have any late payments, however Experian is still reporting the incorrect late payment. Please see the correspondence from 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 2025-09-25 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: MI

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

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

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

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am very upset that the inaccurate late payments are still appearing on my credit report today. Even after refreshing, the error remains. I am requesting that you urgently verify the documents Ive already provided and correct this issue right away, because I should not have to continue worrying about something that should have already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I opened a Citi checking account. At that time, the terms clearly stated that maintaining a {$1500.00} minimum balance would waive the monthly service fee. I have always maintained more than {$1500.00} in the account. 

In XXXX, Citi converted my account to XXXX Banking and began charging a $ 15 monthly service fee. I was never properly notified of this change. Citi claims notices were sent in XXXX and XX/XX/XXXX, but I never received them. From XX/XX/XXXX through XX/XX/XXXX, I was charged about {$210.00} in fees. 

I contacted Citi via live chat in XX/XX/XXXX. The agent refunded {$30.00} but refused to refund the remaining fees. The supervisor also could not provide a case/reference number or documentation of the notice. 

I am requesting a full refund of all fees charged since the conversion ( about {$210.00} ) or at least the past year of fees, and written documentation showing when and how Citi notified me of this change.

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