vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: NV

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 explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-14 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: NH

Complaint narrative:
Since Nelnet took over my loan they keep not processing my payments then stating it was one of my two banks fault. Then when I changed how I made payments and got confirmation numbers confirming payment they email me stating Im late. Then state I can pay via debit card yet their systems are down. Its been months. Last problem was a confirmation of a payment made XX/XX/year> the latest excuse was the administrator must not have put the payment through. I asked them why they wont take my money. This makes zero sense and I have had multiple problems. They need to be looked into on how they handle payments. I have the money. I just want to pay my bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
FALSE REPORTING, METRO 2 COMPLIANCE VIOLATIONS, AND WILLFUL NONCOMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) I AM SUBMITTING THIS FORMAL COMPLAINT AGAINST TRANSUNION FOR REPORTING FALSE, MISLEADING, AND INACCURATE INFORMATION ON MY CREDIT FILE IN VIOLATION OF THE FCRA AND METRO 2 COMPLIANCE STANDARDS. 

I. XXXX ( XXXX. OF EDUCATION ) FALSE LATE PAYMENT REPORTING TRANSUNION IS REPORTING MULTIPLE XXXX XXXXT LOAN ACCOUNTS AS " XXXX DAYS PAST DUE '' DESPITE NO HISTORY OF DELINQUENT PAYMENTS. THE ACCOUNTS AFFECTED INCLUDE : ACCOUNT NUMBERS ENDING IN : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATUS : " XXXX DAYS PAST DUE '' ACCOUNT HISTORY : SHOWS " XXXX '' FOR ALL MONTHS, INDICATING NO LATE PAYMENTS THIS REPORTING IS A DIRECT VIOLATION OF METRO 2 GUIDELINES WHICH REQUIRE THAT ANY ACCOUNT REPORTED AS 90119 DAYS LATE MUST BE PRECEDED BY 30-DAY, 60-DAY, AND 90-DAY DELINQUENCY CODES. NONE OF THOSE CODES APPEAR. 

ADDITIONALLY, MY CREDIT REPORT INDICATES " CONSUMER DISPUTES REINVESTIGATION IN PROCESS '' AND " PAYMENT DEFERRED '' FOR MANY OF THESE ACCOUNTS. TRANSUNIONS REPORTING CONFLICTS WITH OTHER CREDIT BUREAUS AND FAILS TO REFLECT THE ACTUAL PAYMENT STATUS. 

THIS VIOLATES : FCRA 1681S-2 ( A ) ( 1 ) ( A ) FCRA 1681S-2 ( B ) FCRA 1681I ( A ) FCRA 1681N METRO 2 COMPLIANCE MANUAL STANDARDS II. XXXX XXXXXXXX XXXX XXXX XXXX FALSE CHARGE-OFF AND LATE PAYMENT REPORTING ON XX/XX/year>, TRANSUNION REPORTED THAT XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT WAS LATE AND CHARGED OFF. THIS IS FALSE INFORMATION. 

THE ACCOUNT IS FRAUDULENT I PROVIDED A VERIFIED FTC IDENTITY THEFT REPORT AND SUPPORTING DOCUMENTS I REQUESTED VALIDATION INCLUDING A SIGNED CONTRACT NONE HAS BEEN PROVIDED TRANSUNION CONTINUES TO PUBLISH FALSE DATA, INCLUDING A CHARGE-OFF STATUS AND LATE PAYMENTS, WITHOUT VERIFICATION THIS VIOLATES : FCRA 1681S-2 ( A ) AND 1681S-2 ( B ) FCRA 1681C-2 FAILURE TO BLOCK FRAUDULENT INFORMATION METRO 2 CONTINUED MONTHLY DELINQUENCY UPDATES AFTER CHARGE-OFF IS NOT PERMITTED III. RELIEF REQUESTED I AM REQUESTING THE FOLLOWING IMMEDIATE ACTIONS : DELETE OR CORRECT ALL FALSE STATUS ENTRIES ON THE XXXX XXXX XXXX ACCOUNTS DELETE THE XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT COMPLETELY OR PROVIDE VERIFIED PROOF OF CONTRACT PROVIDE DOCUMENTATION OF THE REINVESTIGATION PROCESS UNDER FCRA 1681I ( A ) INCLUDING ALL INFORMATION PROVIDED BY THE FURNISHER SEND UPDATED CORRECTIONS TO ANY ENTITY THAT HAS PULLED MY REPORT IN THE LAST 12 MONTHS FINAL NOTICE IF TRANSUNION DOES NOT REMOVE OR CORRECT THESE VIOLATIONS WITHIN 15 DAYS, I WILL FILE FORMAL COMPLAINTS WITH THE CFPB, FTC, AND MARYLAND ATTORNEY GENERAL. I WILL ALSO PURSUE DAMAGES UNDER FCRA 1681N FOR WILLFUL NONCOMPLIANCE.

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 2025-05-14 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

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 XXXX 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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Noticed a bunch of cash advance fees on my account, reached out to the bank as I had not made any cash advances and they informed me that they had nothing to do with it, and that it was 100 % the way that the merchant was charging the card and if I had a problem with that they recommend that I dispute the transaction and charge it back * to which I believe this would be fraud they are encouraging *. 

Argued with the merchant, sent the pictures of the transactions being charged to me as a cash advance, and had them start a whole investigation, after a week or so they got back to me confirming that none of the charges were billed as a cash advance on their end and that it had to do with my financial institution ( Citi Bank ). 

Went back and started another chat with Citi Bank, and this time I took some screenshots as they refused to send me any transcripts from the last chat even though I know they had records of it as they asked about previous chats and then supposedly went over them. Got the same response that it was 100 % on the way the merchant was billing it to which I argued that it was not and I have already talked to the merchant and had them look into it for me ( the merchant was also much more willing to actually look into it for me ) to which I eventually had to ask for a supervisor. They asked which supervisor, I said anyone above them and was transferred to someone named XXXX. 

After chatting with XXXX, he admitted that they were manually changing it on my account, that I had a warning on my XX/XX/XXXX statement ( which I went back and viewed, at the very end was some broad fine print stating that charges for gambling are cash advances ). I confronted about them suggesting that I fraudulently disputed the transaction and started a charge back when it was Citi Bank who is handling the transaction incorrectly, to which they kept ignoring.

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 2025-05-14 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against TransUnion for reporting inaccurate information on my credit report and for failing to adequately respond to my dispute regarding this matter. 

On XX/XX/XXXX, I discovered several inaccuracies on my credit report maintained by TransUnion. Specifically, the following item ( s ) are incorrect : selfin/lead closed on XX/XX/XXXX, sparrow fncl closed on XX/XX/XXXX inquiries : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I submitted a dispute to TransUnion on XX/XX/XXXX to request an investigation into the inaccuracies and correction of the erroneous information. I included supporting documentation such as [ e.g., account statements, letters from creditors, identity documents ], which clearly demonstrate that the information in question is incorrect. 

Despite allowing TransUnion more than the 30-day timeframe allotted under the FCRA to complete their investigation, I have either received no response or a generic and unsatisfactory response that failed to address the inaccuracies. The incorrect information continues to remain on my credit report, negatively impacting my credit score and causing me financial and emotional distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold TransUnion accountable for its failure to : Accurately report information on my credit report ; Conduct a reasonable investigation into my dispute ; Respond within the required time under federal law.

Attached are copies of my original dispute letter, documentation provided to TransUnion, and any correspondence received.

I appreciate your assistance in resolving this matter. I am requesting that the CFPB compel TransUnion to delete or correct the inaccurate information and ensure full compliance with the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I respectfully request the prompt blocking and removal of the unauthorized accounts currently listed on my credit report. I did not authorize or initiate these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within XXXX days. The enclosed documentation is provided for your thorough review. Please also note that the account information reported to each bureau is inconsistent and 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that Experian is reporting a XXXX XXXX bankruptcy on my credit file with the filing date of XX/XX/2020, under the U.S. Bankruptcy Court for the XXXXXXXX XXXX XXXX XXXX  ( reference number : XXXX ). 

However, the record lacks key identifying information such as a plaintiff, a specific dollar amount, or proper formatting consistent with certified public court records. I have never received direct proof that Experian independently obtained or validated this bankruptcy through the court system as required by FCRA. 

The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires that all public record information be verified with the original source prior to reporting. If Experian sourced this data through third-party vendors without directly confirming its accuracy with the court, then its inclusion on my report is unlawful. 

To date, Experian has failed to provide any documentation verifying how or from where this bankruptcy information was obtained, and whether it was validated through appropriate legal channels.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received email indicating my checking account with Upgrade Bank was suspended due to unexpected activity. Upon phone call, I was advised a tax refund from my wife deposited into the account was in question. The federal refund was done with my knowledge, however, my wife is not ac account holder on my account. I offered the bank an explanation as well as documentation and financial records for resolution, but was told they were not needed. A subsequent phone call a week later resulted in the same excuseaccount was under review. 
I called again today, XX/XX/XXXX, because my monthly social security benefits were deposited into the account. It is my understanding that direct deposit SS benefits are protected benefits and the bank must provide access to the account holder per federal bank and social security laws. The bank, however, refuses to allow access to my monthly benefits which I am entitled. 
Ive been told this process can take up to XXXX  days for resolution. In the meantime, my monthly benefits put a roof over my head, food on my table, medications, and utilities in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
This is my final attempt to resolve a serious violation involving Equifax 's unlawful reinsertion of XXXX XXXX  XXXX account # XXXX into my credit report. This account was previously removed after being deemed unverifiable. Equifax reinserted it without following the legal procedures outlined under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ), Equifax was required to conduct a reasonable investigation within 30 days, but failed to explain how the account was verified, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Furthermore, no written notice of reinsertion was sent within 5 business days, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Equifax also failed to obtain proper certification of accuracy as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

To make matters worse, XXXX  is not reporting this account at all, and the details being reported by Equifax and XXXX  are inconsistent. This violates 15 U.S.C. 1681e ( b ), which requires all consumer reporting agencies to ensure the maximum possible accuracy of the information they report. Equifax and XXXX  are both in violation, and their conflicting and unverified reporting proves a failure in compliance. 

I also want to bring to the CFPBs attention the ongoing lawsuit your office filed against XXXX  for similar violations, which further highlights the seriousness of this issue.

I am requesting the CFPBs assistance in forcing Equifax to permanently delete this reinserted and unverifiable account. Continued noncompliance entitles me to pursue damages under 15 U.S.C. 1681n and 1681o, up to {$1000.00} per violation.

Company response to consumer: Closed with explanation