vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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 explanation
Consumer complaint received 2025-12-09 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 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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 have no connection to this account, which is not mine, and I am requesting that it be reviewed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I requested to cancel my membership at XXXX  XXXX, a XXXX XXXX in XXXX, NY back in XX/XX/XXXX because at that time I was moving to XXXX, XXXX for a year to study XXXX  and I wasn't going to use my health club membership at that particular health club in XXXX from XXXX on due to being in another country for that long. I requested my membership cancellation in writing as requested by the health club management together with an electronic copy of my XXXX  and my temporary logging at an XXXX until finding something more permanent i XXXX at that time. They immediately created all kinds of excuses to keep my membership active just to keep charging my credit card on file at that time. After they charged me for the month of XX/XX/XXXX, I wrote them again telling them to cancel my membership but they kept requesting for additional documentation from me as if I didn't have any right to cancel this membership so I contacted my bank and requested to dispute further charges from XXXX XXXX, which they did. They issued me a new credit card with new information on it prior to my trip to XXXX on XX/XX/XXXX. I forgot all about this health club case after I left, and moved on with my life in XXXX for a year. Then on XX/XX/XXXX I received an email from First Credit Services , Inc., a debt collector hired by XXXX  XXXX requesting payment for the amount of {$140.00}. I immediately contacted them disputing these charges and I submitted all the documentation to them to dispute those charges and why. They went over the information, and then they decided to close the case against me submitted by XXXX XXXX. on XXXX XXXXThen yesterday, I got an email from XXXX XXXX informing me that First Credit Services , Inc. has submitted this credit collection to XXXX XXXX and my credit score suffered a XXXX drop point immediately. They not only added a derogatory mark but also opened a collection after they had already closed this case all together with a good resolution on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Identity Theft Dispute Required Deletion & Method of 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 explanation
Consumer complaint received 2025-12-09 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:
Identity Theft Dispute Required Deletion & Method of Verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Im aware that i misplaced my card Tuesday XX/XX/XXXX after i got gas in XXXX. I thought maybe the card was misplaced in my coat or car. On XX/XX/XXXX at XXXX that morning i noticed an unauthorized transaction on my account. Note i did know i didnt have my card on me so i just used tap to pay until i found my card. However that was not the case. My card was stolen & used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am requesting an immediate investigation into a medical collection being reported by Lockhart Morris and Montgomery. I never signed any financial responsibility agreement with this agency, and they have not provided any HIPAA compliant documentation showing they are authorized to possess or report my medical or personal information.

Under 15 USC 1681b and HIPAA Privacy Rule 45 CFR 164.502, my medical information can not be shared or transferred to any third party without my written consent. This agency has not produced a single document with my signature showing that I allowed them to access, store, or report my health related information.

Under 15 USC 1681e ( b ), all information furnished to a credit bureau must be verified for accuracy. A collection agency must supply proof of treatment, proof of services rendered, itemized billing, and a valid assignment that complies with HIPAA. None of that has been shown.

This account caused another major drop to my credit score and continues to impact my ability to secure housing and provide stability for my XXXX year old child. I am not disputing the medical care. I am requesting proof of lawful authorization for this agency to touch my medical information at all.

If they can not provide HIPAA compliant documents bearing my name and signature, this entry must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC, through Resurgent Capital Services, has repeatedly failed to provide sufficient validation of the alleged debt, despite my multiple written requests under the FDCPA and FCRA. They have continued collection attempts and reported this account to credit bureaus, even though they are not licensed to collect in Georgia. The statements they provided are insufficient to legally prove the debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because my credit file contains incorrect and outdated address information that has not been fixed despite notice. This is not a minor issue. Reporting wrong personal information exposes me to identity theft, causes confusion in my credit profile, and damages my financial standing. 

The following addresses are being reported on my credit file and are inaccurate and must be removed immediately : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The only address that should appear on my credit file is : XXXX XXXX XXXX, XXXX, NJ XXXX There is no excuse for continuing to publish incorrect address data after being put on notice. Under 15 USC 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Under 15 USC 1681b, personal information may only be reported with a valid permissible purpose. Continuing to report addresses that I did not authorize and that are no longer associated with me violates federal law. 

I am demanding the immediate deletion of all inaccurate addresses and a full update to my credit file to show only my correct address. I am asking the CFPB to step in and force the credit bureau to fix this issue and stop the continued reporting of false personal information.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am on social security XXXX. 
I signed in for chime. I do not drive and it seemed like it would be easier. plus check come XXXX days earlier I didn't expect it til the XXXX. I just looked my account the day after thanksgiving. and there were over {$2000.00} taken from my account from my XXXX XXXX account that I have not used since beginning of XXXX. I complained to XXXX XXXX and I think I filed a dispute. I filed a dispute with chime and they denied I made a police report today and I called chime and gave the information. they said they could file another dispute. XXXX transactions all XXXX XXXX. like {$500.00}. {$400.00} on and on til I am near broke. I have no money for Christmas. I did not make any of these withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Ive asked for the information to be updated and accurate the report and its not accurate and it needs to be updated. Nail Net stated the information has been reported and updated. However, the credit bureaus are showing missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am filing a complaint regarding the reporting of XXXX late payments on XXXX of my student loan accounts with Nelnet. I want to start by saying that this was never intentional, and I apologize for the misunderstanding. I brought every account current immediately once I became aware of the issue. 

The problem occurred because Nelnet had an old and incorrect email address on file for me. All billing notices and reminders were going to that outdated address, so I was not receiving any communication about overdue payments. At the same time, over the past couple of years there has been a lot of confusion surrounding student loan repayment schedules. Payments were deferred multiple times after COVID, and then the XXXX administration announced potential {$10000.00} forgiveness, which created even more uncertainty about when payments would officially resume. I truly believed I would receive clear updates when repayment began again, but because the emails were going to the wrong address, I never saw any notices. 

I also receive a very high volume of spam calls, including calls from scammers pretending to be student loan servicers. I have been targeted by loan-related scams before, so I never felt safe answering unknown numbers or robocalls. Because of this, I did not realize Nelnet was attempting to reach me by phone. The moment I logged in, saw the issue, and corrected my contact information, I paid everything immediately. 

This is the first time I have ever been late on my loans, and the situation was completely unintentional. The XXXX late marks have had a severe impact on my credit score during a time when I am working hard to maintain financial stability, and hoping to stay in good credit standing for my entire family, which this severely hurts. I am respectfully requesting that the CFPB review this situation and ask Nelnet to verify whether proper notices were actually delivered to the correct contact information. If they can not demonstrate that the delinquency was accurately communicated to me, I am asking that the late marks be removed or corrected. 

Again, I take responsibility for updating my information, but the combination of outdated email records, misleading nationwide messaging about payment restarts, and the overwhelming number of fraudulent student loan calls made this situation extremely confusing. I have always paid my obligations on time, my entire life, and immediately corrected the issue once I became aware of it. This situation has severely impacted my ability to care for my family, and was truly never intentional. I have always had a XXXX credit score Thank you for your time, understanding, and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: NM

Complaint narrative:
b'Received a promotional credit of $XXXX XXXX when terms clearly indicate $XXXX should have been received. Contacted agent via chat XXXX who confirmed this and escalated to promotional department with assurances to call once resolved. Followed up XXXX after hearing nothing and was told by a separate agent that they would contact the first agent to reach out to me with an update. After hearing nothing again, contacted XXXX and escalated to supervisor. Confirmed with that individual $XXXX should have been received and that the promotional department would be reached out to and that someone would update me by the end of the day. No contact was attempted.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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