vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am writing to dispute the accuracy and compliance of the XXXX XXXX XXXX XXXX account ending in XXXX as reported by Experian. The account reflects late payments beginning in XX/XX/XXXX, during which I was on XXXX XXXX through XX/XX/XXXX. This raises concern under the XXXX XXXX XXXX XXXX ( XXXX ), which protects against adverse credit actions during active service. Especially concerning mental health. Furthermore, this account shows repetitive CO ( charge-off ) reporting each month from XX/XX/XXXX to XX/XX/XXXX. Under Metro 2 reporting standards, monthly charge-off codes following the initial charge-off are considered duplicate derogatory data and violate compliance guidelines. Additionally, the account reflects a " partial payment agreement '' comment, while showing {$0.00} payments made, creating conflicting and misleading dataa direct violation of FCRA 607 ( b ), which mandates maximum accuracy in credit reporting. 
Per FCRA 605 ( a ), negative items must not be re-aged or extended beyond the legally permitted 7-year reporting period, yet this account continues to be actively updated with derogatory remarks and an inflated past-due balance after charge-off. 
Due to the noncompliant reporting practices, inconsistent status updates, and failure to align with Metro 2 and FCRA requirements, I am requesting the immediate deletion of this account from my Experian credit file. Please complete a reinvestigation and provide written verification of compliance and remove the account from my credit report as required by law. 

Attached USPS Certified Mail XXXX, Government Issued ID, Social Security card, Credit report account reference, 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 2025-04-11 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: OK

Complaint narrative:
XXXX XXXX XXXX, is reporting on my Experian and Equifax report that I opened an account with them on XXXX XXXX, and {$6600.00} is owed. 
This account was disputed on XX/XX/year>, investigation my both agencies, the account remains on reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
On XX/XX/year>, I noticed a severe drop in my credit score. I noted a derogatory mark on my credit listed by XXXX XXXX XXXX for an account from XXXX XXXX. I immediately called XXXX XXXX and they gave me information regarding the account. I notified them it was not my account and then called XXXX. XXXX advised me to write them with specific documents proving my identity as well as a police and federal fraud report for the case. I then filed a report on IDTheft.gov as well as a police report with my local police department same day. The evening of the XXXX I emailed all required information to XXXX regarding this matter. On XX/XX/XXXX, I was informed they confirmed this was not my acount or responsibility and they will escalate and ensure it was sorted and removed from my credit. They confirmed they would also send me a letter stating the same. I received the letter on XX/XX/year> via USPS. The letter was dated XXXX XXXX XXXX. I kept checking credit and no resolution was noticed. I was notified by my employer I needed to relocate and began with a home purchase process and the negative files are still on my credit. I began to escalate again with XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX They informed me that the case was stil in collections with them as a vald account. I called XXXX ad they now informed me the only closed out the account on XX/XX/year>. They also stated they informed XXXX XXXX XXXX of the same and XXXX denies knowledge of the change until finally on XX/XX/year>. I began personally also disputing the records. XXXX supported removing the derogatory mark but Equifax and XXXX did not. It has now exceeded 30 days of a negative mark on my credit report without resolution and this is in violation of the federal Fair Credit Reporting Act. This is costing me countless hours of tie a well as potentially XXXX of thousands in extra interest on a loan vs what my credit would qualify for without this mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-11 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BUSEY BANK
State: IL

Complaint narrative:
XX/XX/year> To Whom it May Concern at Busey Bank XXXX XXXX XXXX XXXX XXXX # XXXX Busey Bank XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX option 4 This check was issued by XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/year>. The check was presented to Busey Bank teller window live contact on the same day XX/XX/year> between the hours of XXXX Friday XXXX XXXX, XXXX ( Sure banking security footage should confirm contact on that day ). Busey Bank teller advised she could not cash their own Busey Bank printed check and that no supervisor/management was around to do it either. This check was then presented to our bank XXXX to cash in order to complete before the close of the bank business day. It was later found that the check was returned due to the account being closed. We proceeded to follow-up with XXXX XXXX XXXX Accounting Specialist with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, for clarification on the matter. She proceeded to forward a screenshot & email text indicating the account was indeed open with funds available ( see attachments contained within this email ). 

XXXX XXXX XXXX XXXX XXXX XXXX Retail Fraud division confirmed the account closure status and sent the Certified Copy of the returned check to support the report that came back from Busey Bank for that date range XXXX. 

This has caused many banking irregularities, fees reversal requests, and undue burden for this bad check which even the named bank on the check BUSEY refused to accept. 

This appears to be rather unusual & behavior not consistent with normal banking protocols/practices. I am requesting a full investigation of this matter as to why/under whose direction the Busey employee involved thought it was a good choice to not accept their own check issued from their own local banking customer, XXXX XXXX XXXX XXXX XXXX XXXX refused the check and further, when presented to XXXX afterwards it was then presented as a closed account. 

Could you make this make logical & rational sense? 
We will await your timely responses in regards to this matter. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Under section 38 ( k ) of the Form 101/Suspicious Activity Report, banks are under an obligation to report the misuse of position or self-dealing to FinCEN. Include information on the policies and procedures in place, the dates and scope of the theft, the depositor prejudice, the financial impact to the bank and depositors, and the employees disregard with your attempts to resolve this. The Federal Reserve can issue an Order of Prohibition barring the employee from participating further in any banking activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I recently submitted a dispute concerning inaccurate information on my credit report regarding the account listed as XXXX. I have since received notice that this information was verified as accurate. However, I am formally requesting, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), that you provide me with a detailed description of the procedure used to determine the accuracy and completeness of the disputed information.

Please include : The name and contact information of the party who verified the information. 

A description of the method and steps taken to verify the data. 

Any documentation provided by the furnisher of the information. 

As you are aware, the FCRA requires that credit reporting agencies conduct a reasonable investigation and verify the accuracy of disputed information. If no such verification process was completed or no documentation exists to support the claim, the information must be deleted from my credit report immediately. 

Please respond within the legally mandated time frame. I also request that this inquiry not be treated as a re-dispute, but rather as a request for the procedure and documentation used in your verification process. 

Thank you for your prompt attention to this matter. I expect a full and complete response. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have applied for a Reverse Mortgage with XXXX of XXXX XXXX  ( XXXX ). XXXX requested my credit report from Experian. XXXX called me to say that my credit report was frozen. I used their listed phone number from their website. After much waiting and calling back back, I was then on the phone for over an hour trying to get through their call screening bot. Upon reaching a person I was told that it wasn't frozen. I explained to Experian that XXXX was receiving that it was frozen. 
The service representative went over my personal information and there were many errors to include -- wrong address and wrong SS number ( among other inaccuracies ). They had information on my son 's address and other data included in my report. I paid over {$100.00} to get Experian to correct the information and to remove whatever kept them from sending the report to XXXX. 
Several days later XXXX reported to me that Experian wouldn't send my credit information. 
Today, I again called and accessed their Experian website. Since my phone contact didn't meet their limited criteria, they hung up. I logged into their website was dropped several times. I was never able to reach a person. 
Experian 's behavior is preventing me from getting a loan. All of my credit reports are in the Excellent range.

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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I had my identity stolen, and now battling to fix it. I have a debt collection because someone took my information and got a credit card under my name and now its in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX Ny XXXX XXXX XXXX XX/XX/XXXX Chex Systems , Inc . 

Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Reported Information Dear Consumer Relations, I am writing to formally dispute the accuracy of the information reported on my Chex Systems consumer report associated with my Consumer ID. I have reviewed my report and found several accounts that I believe are not mine. 


The specific accounts I am disputing are : Account from XXXX XXXX XXXX - Reported Name : XXXX XXXX - Reported Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Date of Closure : XX/XX/XXXX - Original Charge Off Amount : {$1800.00} account # XXXX I request that you provide documentation proving that these accounts are indeed mine. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I am requesting that you send me proof of these accounts within 7 days of receiving this letter. If you are unable to provide such documentation, I request that you delete these accounts from my report. 


Please send your response to my address listed above. Thank you for your prompt attention to this matter. 


Sincerely, 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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a claim for fraudulent charges on my card from early XX/XX/XXXX. Cash app immediately " investigated '' denied my claims and closed my account. They never returned the Disputed funds and told me my transaction history led to this. I had done nothing out the ordinary before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is becoming a nightmare. Ive lost count of how many times Ive disputed this same account a XXXX XXXX XXXXXXXX account that I did not authorize or consent to be reported. Experian continues to report this despite the fact that XXXX and XXXX have permanently removed it. Why is Experian still showing it if the other two bureaus deemed it invalid? Whats worse is that this account was previously deleted only for Experian to REINSERT it without notifying me, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Theyve never once provided proof of ownership, written authorization, or any legitimate purpose for reporting it, violating both 1681b ( permissible purpose ) and 1681e ( b ) ( maximum possible accuracy ). This is the only negative account dragging down my credit report and frankly, its causing me unnecessary stress and anxiety. Every week I check, and there it is again like a slap in the face. Im exhausted. Also, Experian is still reporting an old and outdated address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX which is my previous address and should no longer be listed. My ONLY VALID AND CURRENT ADDRESS IS XXXX XXXX XXXX, XXXX, NJ XXXX. I am requesting that Experian remove this outdated address from my file and update my report to reflect only my current address. All incorrect or outdated addresses must be permanently deleted.. I demand that Experian permanently delete this reinserted account, update my personal information correctly, and stop this reckless reporting. I am urging the CFPB to investigate and take enforcement action against Experian for these repeated and willful FCRA violations.

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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My truist account has been compromised by the representatives and administrators of the company They coerce the current account in an attempt to steal my assets and conceal their criminal activity .My name is XXXX XXXX XXXX My date of birth is XX/XX/year> My social security number is XXXX The individuals involved are organizing crime and compromising my identity and my life is in danger.

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 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I keep getting this Ad that fraud XXXX XXXXour XXXX $ credit limit awaits XXXX XXXX XXXX Milestone Mastercard From : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief