vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Equifax for its failure to remove multiple inaccurate, unverifiable, and unauthorized items from my credit report, despite being properly notified through a formal dispute. These violations are ongoing and constitute noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Below are the specific issues that Equifax has failed to resolve : Incorrect Personal Address : XXXX XXXX XXXX, XXXX, SC XXXX This address is not associated with me in any capacity. Its presence suggests a possible mixed file or identity confusion, and violates FCRA 604 ( c ), which mandates the accuracy of personal identifying information. 

Unverified or Inaccurate Accounts : XXXX XXXX XXXX XXXX  Listed as a charge-off with a balance of {$470.00}. Equifax has not produced any original account documentation to verify this status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reported with late payments and a balance of {$21000.00}. No billing history or communication record proving delinquency has been provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Showing late payments and a {$550.00} balance. I requested documentation but received none. 

These tradelines were disputed under FCRA 611, and Equifax failed to conduct a proper reinvestigation. These accounts remain on my report despite a lack of validation, violating FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never gave permission for these credit inquiries, and I have not applied for credit with these companies. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency must ensure that inquiries appear only when made with a permissible purpose and proper consent. Equifax has failed to remove these despite written notice.

Requested Relief : I am requesting that the CFPB investigate this matter and require Equifax to : Delete the incorrect address from my credit file Permanently remove the unverifiable and disputed accounts listed above Delete all unauthorized hard inquiries Provide me with an updated and corrected credit report Equifaxs continued reporting of these inaccurate and unverifiable items is damaging my credit and is in clear violation of federal law. Their noncompliance must be addressed and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Branch Messenger, Inc.
State: OK

Complaint narrative:
I withdrew my XXXX to my XXXX XXXX account and they locked me out. I cant access my uber earnings or the {$15000.00} XXXX withdrawal. They sent me a link saying I have to verify my identity which Ive been trying to do for 8 hours now. Ive called and emailed 20+ times with no response. I literally cant eat or put gas in my car to go to my new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

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 2025-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I previously disputed accounts that were removed from my credit report after submitting a valid FTC Identity Theft Report. 

The following account ( s ) were reinserted without the required written notice within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$22000.00} I did not receive any reinsertion notice within 5 days by mail or email. Even without visual proof, I know these items were removed because they were no longer reporting and I monitored my credit file closely.

I am demanding immediate : 1. Permanent deletion of the reinserted accounts 2. Written confirmation 3. Full compliance with federal law If not resolved, I will escalate with the FTC, XXXX, and state attorney general and pursue statutory damages up to {$1000.00} per violation.

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 2025-07-03 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: TN

Complaint narrative:
I previously disputed accounts that were removed from my credit report after submitting a valid FTC Identity Theft Report. 

The following account ( s ) were reinserted without the required written notice within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$22000.00} I did not receive any reinsertion notice within 5 days by mail or email. Even without visual proof, I know these items were removed because they were no longer reporting and I monitored my credit file closely.

I am demanding immediate : 1. Permanent deletion of the reinserted accounts 2. Written confirmation 3. Full compliance with federal law If not resolved, I will escalate with the FTC, XXXX, and state attorney general and pursue statutory damages up to {$1000.00} per violation.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
XX/XX/year> Request made to close Checking Account and withdrew $ XXXX XX/XX/year> Valley responded to my email that a bank representative will get in touch with me. I have copy of email ticket # XXXX XX/XX/year> went again in person to XXXX XXXXXXXX XXXX  Spoke to XXXX. Manager will take care of it XX/XX/year> Received a letter from Valley Bank demanding an over draft fee {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax for willfully violating the Fair Credit Reporting Act ( FCRA ) and failing to follow Metro 2 data reporting standards by continuing to report hard inquiries on my credit file that are not connected to any open or closed account and that I never authorized. These inquiries have no corresponding credit accounts on my Equifax credit report and can not be verified with documentation.

Under FCRA 1681b ( a ), a consumer reporting agency may only permit access to a credit file when a permissible purpose is clearly established. Equifax has reported multiple hard inquiries with no resulting trade lines, no proof of application, and no legal authority for their inclusion. This is a violation of FCRA 1681i ( a ) and 1681i ( a ) ( 5 ) ( A ), which require a reinvestigation of disputed data and the deletion of unverifiable or inaccurate information.

Furthermore, under Metro 2 guidelines, all inquiries must be linked to a verifiable consumer-initiated application or an active trade line. Inquiries not resulting in a credit decision or tied to any account must be removed from the credit report. If Equifax can not show a legally valid connection between these inquiries and my activity, they are noncompliant and must be deleted immediately. 
The following hard inquiries reported by Equifax on my credit file dated XX/XX/XXXX are not tied to any open or closed credit account and were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX None of these inquiries are connected to an active or closed credit account, and I have not received any credit decisions, applications, or approvals tied to these entries. 

I am demanding that Equifax : Immediately delete all hard inquiries listed above from my credit file ; Provide documentation showing signed authorization or permissible purpose for each inquiry. 

Conduct a lawful reinvestigation per FCRA 1681i ( a ) and confirm compliance with Metro 2 standards.

If Equifax can not provide legal justification and documentation for each inquiry, their continued reporting is a willful violation of federal law and pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan was paid in full on XX/XX/XXXX, and I was withdrawn my typical monthly payment ( {$56.00} ) afterwards on XX/XX/XXXX. I requested a refund on XX/XX/XXXX, was informed it was being processed. 

I asked again about the status on XX/XX/XXXX, and today ( XX/XX/XXXX ) they told me they have no timeline for refunding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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