vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX XXXX XXXX XXXX To whom it may concern, I am submitting this formal complaint regarding the continued inaccurate reporting of a XXXX XXXX XXXX  credit card account ending in XXXX XXXX XXXX XXXX XXXX  which was officially closed on XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX XXXX. Despite this, the credit bureaus continue to report late payments and account activity well into XXXX and XXXX. 

Summary of Issues : Account was closed in XXXX, yet : Equifax reports Last Activity as XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late payments continue to appear throughout XXXX and XXXX : All bureaus report 30, 60, 90, and 120 days late in early XXXX, long after the account was closed. 

Inconsistent reporting : Balance is shown as {$0.00} in Equifax, but {$850.00} in XXXX 

The Date of Last Payment varies across bureaus, with some claiming XX/XX/XXXX, which is impossible if the account was closed in XXXX. 

Legal Violations Fair Credit Reporting Act ( FCRA ) : This reporting violates several sections of the FCRA ( 15 U.S.C. 1681 et seq. ) : 1681e ( b ) : Bureaus must maintain procedures to ensure maximum possible accuracy.

1681i ( a ) : Bureaus must correct or remove inaccurate, incomplete, or unverifiable information within 30 days of a dispute.

1681s-2 ( a ) ( 1 ) ( A ) : Furnishers XXXX XXXX XXXX XXXXXXXX ) must not report data they know or reasonably believe to be inaccurate.

1681s-2 ( b ) : Furnishers must promptly investigate and correct any errors after receiving a consumer dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CO

Complaint narrative:
I am disputing late payments reported by Nelnet from XXXX to XX/XX/XXXX. I was enrolled in an income-driven repayment plan ( IDR ) and did not receive clear notice that repayment had resumed after the COVID forbearance pause. Once I realized repayment had restarted, I immediately reached out, offered to pay the past due amount, and submitted a payment in XX/XX/XXXX to bring my account current. 

I also emailed Nelnet to explain the situation and formally requested that the missed payments be removed based on restart confusion, but they denied the request. As of now, my credit report shows only two current payments, despite being current since XXXX. 

I have not had a single negative student loan mark since XXXX XXXX XXXX. I have been employed in public service and on track for Public Service Loan Forgiveness ( PSLF ) since 2019. I believe these negative marks were reported unfairly given the circumstances and the Department of Educations guidance on restart protections. 

As a result of these 120-day late payments, my credit score dropped by over XXXX points. This severe decline has affected my ability to access basic credit products and caused significant financial stress. I am requesting that Nelnet remove these late payments from my credit report and update my payment status accurately, especially in light of my PSLF eligibility and otherwise consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I canceled my gym membership in person in XX/XX/year>, but the business continued to charge my Amex card. I reached out to the owner multiple times, immediately after the charges, and was told it was a mistake, and he promised to refund the money. 

By the time I formally disputed the charges, Amex declined to help because it was more than 60 days since the charge. I acted in good faith and tried to resolve the issue with the merchant, which is what Amex instructed me to do! 

These charges were unauthorized, and Amex has denied assistance based on a technicality. Im requesting that Amex reopen the dispute or credit the charges as a resolution, consistent with their consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was supposed to be paid XXXX but didn't get it due to chase restricting my account and they said they returned it to my employer but my employer never received it meaning chase sent it to the wrong place or never returned it and now owe me money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-23 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: CA

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-07-23 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:
I am contacting you regarding an account that has been reported on my credit file which I have no prior knowledge of. I did not open this account, authorize its creation, or have any affiliation with the entity reporting it.

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 2025-07-23 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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  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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
I am formally disputing unauthorized and fraudulent charges reported on my XXXX  credit file. I did not authorize the account or transactions in question, nor did I give permission for my personal information to be used in connection with this account. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute inaccurate or incomplete information on my credit report, and Experian is required to investigate and delete or correct any unverifiable or inaccurate data within 30 days of receiving this notice.

Additionally, if these charges stem from a credit card or billing account, they are in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which protects consumers from liability for unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-23 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-23 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: AL

Complaint narrative:
As these accounts were opened without my knowledge, I request their immediate removal from my credit history within 15 days as stipulated by USC 1681g.

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 2025-07-23 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$790.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This is an urgent and final request to remove personal information that does not belong to me from my credit report. The address in question is not mine and should not appear on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-07-23 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: CA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
They reported my account as being 30 days late in XX/XX/year>. The account was only past due by 3 days. I contacted them to get this removed from the credit reporting agencies. They told me to file a dispute which I did. They have refused to remove the inaccuracy from my report. I also asked for the credit card statement so that I could attach to my dispute and they said that they couldnt send me that information. As of today XX/XX/year> the inaccuracy is still reporting on my credit file. 
My date of birth is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. 
DEPT OF EDXXXX XXXX Balance {$3900.00} DEPT OF ED/XXXX XXXX Balance {$4300.00} DEPT OF ED/XXXX  XXXX Balance {$1200.00} DEPT OF ED/XXXX  XXXX Balance {$10000.00} DEPT OF ED/XXXX XXXX Balance {$300.00} DEPT OF EDXXXX XXXX Balance {$2000.00} DEPT OF ED/XXXX XXXX Balance {$4600.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. 
DEPT OF EDXXXX XXXX Balance {$3900.00} DEPT OF ED/XXXX XXXX Balance {$4300.00} DEPT OF ED/XXXX  XXXX Balance {$1200.00} DEPT OF ED/XXXX  XXXX Balance {$10000.00} DEPT OF ED/XXXX XXXX Balance {$300.00} DEPT OF EDXXXX XXXX Balance {$2000.00} DEPT OF ED/XXXX XXXX Balance {$4600.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a XXXX  listed on my Equifax, Transunion and Experian credit report. I initiated a formal dispute and requested verification. Equifax responded that the XXXX  was verified through XXXX. 

However, XXXX is a third-party data aggregator, not the furnisher of this XXXX  record. According to the court where the XXXX  was filed, they do not report to or verify with any credit bureau or third-party agency such as XXXX. 

Under the Fair Credit Reporting Act ( FCRA XXXX ), credit bureaus are required to verify disputed information with the original furnisher. Using XXXX as a substitute does not meet this legal standard. Therefore, Equifax has failed to properly investigate and has reinserted unverifiable information. 

I have made a good-faith effort to resolve this directly with Equifax, and I am now requesting CFPB assistance to compel : A proper investigation with verification from the original source ( the court ) Or immediate deletion of this bankruptcy record from my Equifax report

Company response to consumer: Closed with explanation