vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} This shocked me because Ive been actively enrolled in a structured payment plan for my XXXX XXXX. Ive attached the official confirmation from XXXX XXXX and XXXX XXXX showing that I entered a 0 % XXXX payment plan starting XX/XX/XXXX, agreeing to pay {$110.00} monthly for 12 months, with a final payment due XX/XX/XXXX. To be absolutely clear, I have never missed a payment under this plan. 
In fact, I made a payment of {$230.00} on XX/XX/XXXX, which Ive also included documentation for. 
These payments not only brought my account current but clearly demonstrate my commitment to resolving debt in a responsible manner. Despite this, TransUnion continues to report that I was delinquent which could not be further from the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been a member of NAVY Federal Credit Union since the XXXX with XXXX XXXX we had a joint account. 
In XXXX when he passed away the account became mine alone in XXXX I was in Great Financial trouble and I filed Bankruptcy which NAVY Federal Credit Union was part of about {$7500.00} when the Bankruptcy was XXXX NFCU.allowed me to keep the accounts but because of the Bankruptcy I was never able to apply for any credit cards or loans and even though working very good jobs and rebuilding my credit I was still unable to to more with NFCU yet over the years if I used my overdraft there were fees of {$20.00} each time. Now fast forward after over {$3000.00} + fees when I was notified about the CFPBs Class Action I signed up and as you know the suit was in the settlement stage and I would have received a sizeable recovery. Now its ALL GONE AWAY and currently have been charged {$100.00} in fees again. I DON'T KNOW HOW OR WHAT HAPPENED BUT THIS OVERDRAFT FEES ARE AND ALWAYS HAVE BEEN PURE THEFT AND ITS JUST WRONG...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I have been requesting dispute results from Experian and they have refused to send this information and have sent many stall tactics to me regarding the accounts listed below. This is my final demand regarding multiple inaccurate and illegally reported accounts on my Experian file. My personal information has been exposed in a data breach, which has compromised the integrity of the information Experian is reporting. The following accounts are disputed and must be removed immediately under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) and the Privacy Act of 1974 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as charge-offs. This is inaccurate and unlawful. A charge-off is treated as income for tax purposes and can not be reported monthly as delinquent after account closure. Experian is illegally re-aging these accounts and reporting false balances. Furthermore, these accounts only appear on Experian and not on the other CRAs, making this inaccurate and unverifiable. Remove immediately. 

XXXX Dept. of Education These accounts were transferred to a new servicer. At the time of transfer, no late payments for XX/XX/XXXX or XX/XX/XXXX were listed. Reporting them now is inaccurate. Education accounts are federally protected, and Experian has no authority to misreport them. 

XXXXXXXX XXXX  Experian alone is showing a XX/XX/XXXX late payment. This is inaccurate, as documentation proves payments were made on time. Other CRAs do not report this item, making Experians reporting inconsistent and unlawful. 

Violations include : FCRA 602 ( A ) Consumer reports must be accurate.

FCRA 607 ( B ) CRA must maintain maximum possible accuracy.

FCRA 611 Failure to properly reinvestigate disputed items.

FCRA 623 Furnishers may not report information they know ( or should know ) is inaccurate.

Privacy Act of 1974 I did not consent to Experian collecting or reporting my private transactional history.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I state that the late payment remarks on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unjust and unlawful.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My sofi bank account has been resting for fraud and I am a young adult in college and have never done fraud activities a day in my life. However I have unfortunately been a victim of scam and fraud by other people, But I personally haven't done it personally to get targeted. I have funds in my account and its going on a month of my account being restricted and still no update on the clousure of my account or how I can access my remaining funds. My account shouldn't be restricted in the first place, but since it is its only fair and alsl legally right I get my funds asap. I am a young college student who can barely afford school and was also promised help by one of the representatives and that never happened. Now the funds I did have are stuck in my account without no contact from sofi. I should get my funds and account either fixed or fully closed so I can access them and also my promised help with more funds for my schooling as a struggling college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AR

Complaint narrative:
I am writing to dispute several items currently reported on my TransUnion credit report that I believe are inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of the following accounts and public record information : The charge-off account reported by XXXX XXXX with an account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$400.00}. I am disputing the accuracy of this charge-off as I do not believe this account has been reported correctly. The information may be outdated, misapplied, or incorrectly coded in your system. I am requesting a complete investigation and verification of the full payment history, current status, and any documentation used to justify the charge-off designation. If accurate and verifiable records can not be provided, I respectfully request that this account be permanently removed from my credit file in accordance with the Fair Credit Reporting Act. 
There are multiple collection accounts reported including XXXX accounts ending in XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX  with balances of {$19000.00} and {$8000.00} respectively, as well as accounts reported by XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX, ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$550.00}, and XXXX, Original Creditor : XXXX XXXX  XXXX, ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$660.00}. I dispute the validity and accuracy of these accounts and request verification. 
Additionally, there is public information reported relating to a XXXX  XXXX Bankruptcy filed and reported on XX/XX/year> with reference number XXXX. I request that this public record be verified and accurately reported.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate any disputed information and remove any information that can not be verified as accurate.

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 2025-09-08 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: AR

Complaint narrative:
I am writing to dispute several items currently reported on my TransUnion credit report that I believe are inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of the following accounts and public record information : The charge-off account reported by XXXX XXXX with an account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$400.00}. I am disputing the accuracy of this charge-off as I do not believe this account has been reported correctly. The information may be outdated, misapplied, or incorrectly coded in your system. I am requesting a complete investigation and verification of the full payment history, current status, and any documentation used to justify the charge-off designation. If accurate and verifiable records can not be provided, I respectfully request that this account be permanently removed from my credit file in accordance with the Fair Credit Reporting Act. 
There are multiple collection accounts reported including XXXX accounts ending in XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX  with balances of {$19000.00} and {$8000.00} respectively, as well as accounts reported by XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX, ending in XXXXXXXX XXXX XXXX XXXX with a balance of {$550.00}, and XXXX, Original Creditor : XXXX XXXX  XXXX, ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$660.00}. I dispute the validity and accuracy of these accounts and request verification. 
Additionally, there is public information reported relating to a XXXX  XXXX Bankruptcy filed and reported on XX/XX/year> with reference number XXXX. I request that this public record be verified and accurately reported.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate any disputed information and remove any information that can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00}

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Received this today, dont recognize anything about it. I only have an XXXX credit card with Chase, no other accounts. I don't recognize any of the information in this email, and the from and to addresses are the same and suspicious, as well as the subject line. Please advise as to what I should do. 
Thank you, XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX Sent : XXXXXXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX  Subject : Bank of Chase- XXXX XXXX Greetings, I hope this communication reaches you in good health. 

This letter serves as confirmation that a transfer was completed successfully via XXXX. 

The transaction information are listed below : The sum is {$240.00}. 
Date of Transaction : XXXX XX/XX/year> XXXX is the transaction ID ; XXXX is the invoice number Within 24 hours of receiving this email, please get in touch with our support staff if you need to cancel this transaction. We can be reached at XXXX ( XXXX ) XXXX. 

We appreciate your banking with Chase. 

Warm regards, Bank of Chase XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I am submitting this formal complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided XXXX with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, XXXX failed to block the fraudulent information within four business days, as required by law. Furthermore, XXXX has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), buXXXX XXXX  has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with explanation