vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
XX/XX/year> : I received emails from XXXX XXXX XXXX XXXX that my credit score had dropped between XXXX and XXXX points. After investigation I realized that my student loans had been reported as 120 days delinquent. I was under the mistaken belief that I was still under natural disaster forbearance. I quickly accessed my accounts and paid off the past-due balances, bringing them all current. I also set up autopay and have continued to pay on-time since XXXX. 


XX/XX/year> : I called my loan servicer, Nelnet, to tell them that the account is current, that I was not informed that payments restarted, and asked if they could please help me remedy the situation.

I filed a dispute to XXXX, and included screenshots of my accounts being current, screenshots of the log of emails that Nelnet sent me ( not one included a reminder that my student loan payments would resume ), and expressed that I was not aware that payments resumed and that I have brought my account current. I went directly to XXXX XXXX XXXX 's websites and submitted disputes for each loan account with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/year> I called Lexis Nexis to dispute ( dispute case number XXXX ) information on my car accident report history after getting extremely high insurance quotes. There were XXXX accidents total on my report. All of them were incorrect so I disputed them all. Today XX/XX/year> I called in to check on the status and was told that I should have received a letter on XX/XX/XXXX, which I hadnt. I was then informed that the results of the investigation states that the information on my car accident report was unverifiable according to XXXX XXXX. I was told XXXX accidents show up on my record as of today although it is unverifiable. I demanded that the information be removed and cited the fair credit reporting act requires them to remove anything that can not be verified as accurate. I just need this information removed. I cant get decent insurance with all of this incorrect information. Its been beyond 30 days. Lexis Nexis have the results that the information is wrong and has yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I submitted a written dispute through the CFPB portal to TransUnion ( COMPLAINT ID XXXX ) challenging the accuracy and completeness of several tradelines. These included accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My dispute letter specifically requested that TransUnion provide : The method of verification for each tradeline, The name and address of the data furnisher, Documentation supporting the accuracy of the accounts, and Confirmation that any reinserted account met FCRA certification standards. 

In response, TransUnion stated that XXXX XXXX was " verified as reported, '' and XXXX, XXXX, and XXXX  XXXX were in " active dispute. '' XXXX XXXX was listed as unverified as reported. Despite these classifications, TransUnion failed to provide any documentation, did not disclose the name or address of any furnisher, and gave no method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). They also failed to explain why an unverified account ( XXXX XXXX ) was not removed from my report, in violation of 1681i ( a ) ( 5 ) ( A ). XXXX XXXX  XXXX in particular has no supporting data or historical payment activity, yet was left unchanged and flagged as under dispute without explanation or correction. 

These omissions constitute multiple violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 1 ), ( 2 ), ( 5 ), and ( 6 ). I am requesting regulatory action and deletion of any unverifiable or improperly reinserted tradelines. I have preserved all communications as evidence and intend to seek damages under 1681n and 1681o if these violations are not resolved.

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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> Fifth Third Bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX allowed someone who is not authorize on my Line of Credit or was given consent by me, to fraudulently withdraw XXXX from my line of credit. I was alerted as soon as it happened, I followed the steps and called the wire fraud department and the bank to retrieve funds back. I was given a case number from the wire fraud department ( XXXX ) they informed me that funds will be back in XXXX business days. It's been XXXX weeks now and the branch manager called me on Friday XX/XX/XXXX, XXXX to inform me that the transaction went through and there's pretty much nothing the bank can do to retrieve funds. 

For the past XXXX weeks, Fifth Third has caused a significant and unacceptable disruption to my finances and my life by allowing an unauthorized user to withdraw {$100000.00} from my line of credit I've been a loyal customer for over 21 years and I expected immediate escalation and a call from the appropriate department to address this matter without further delay and a plan to get back my money, unfortunately none of this has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX This complaint concerns my American Express XXXX XXXX credit card. I am reporting an ongoing issue involving inaccurate and excessive minimum payment charges that appear inconsistent with the cardholder agreement and may constitute deceptive, unfair, and discriminatory practices. 

According to the official cardholder agreement provided by American Express, the stated terms for the XXXX XXXX card require a minimum payment of {$35.00} or 1 % of the balance, whichever is greater. My current balance is {$1800.00}, whichunder these termsshould result in a minimum due of approximately {$35.00} to {$40.00}. However, my minimum payment was listed as {$63.00}, which is clearly excessive and not aligned with the published formula. 

I have attached : - The original cardholder agreement outlining the minimum payment terms. 
- My recent monthly statement showing the inflated minimum due. 

I am requesting a complete breakdown of how my minimum payment was calculated, including any fees, interest, or discretionary charges added. I have reason to believe this is not an isolated incident and may reflect a pattern of overcharging customers without transparent disclosures, which violates : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. for failure to accurately disclose how finance charges and minimum payments are calculated. 

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq., prohibiting UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). 

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq. I am concerned that this overcharging may reflect discriminatory targeting, especially if other customers in similar financial circumstances are not subjected to the same treatment. 

This situation has caused me financial stress and led to difficulty budgeting and managing my finances based on unpredictable and unexplained charges. The lack of transparency undermines trust and raises serious regulatory red flags. 

I am requesting the following : - A formal written response and detailed breakdown of the minimum payment calculation. 
- A refund or credit of all amounts charged in excess of the agreed-upon minimum, if applicable. 
- Confirmation that American Express will cease this practice moving forward. 
- A review of internal practices to ensure compliance with federal lending and disclosure laws. 

I believe this issue warrants formal investigation to determine whether American Express is systematically applying this policy and whether other consumers have been similarly impacted. 

I have uploaded XXXX statements documenting this issue ; however, it goes back further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have continued to make my monthly payments. The company XXXX has not been dispersing my payments to all of my loans. They miss XXXX out of XXXX loans every month despite payments over the minimum due. I have called in multiple times without resolution. They placed me in forbearance to resolve the issue, and the loans continue not to be paid monthly. I have called every month to try to settle this without resolution. I have requested all records related to phone calls and payments, but I have not received them. I am unable to resolve this issue with the company.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 
USAA FSB XXXX Open Date XX/XX/year> Balance : {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IN

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 

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 These accounts and inquiries were not authorized by me and must be removed from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Next, list the names of the accounts you're disputing ( just the names. 
Then, copy and paste the text above in the next text section. 
Lastly, upload a copy of your letter for each bureau. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Next, list the names of the accounts you're disputing ( just the names. 
Then, copy and paste the text above in the next text section. 
Lastly, upload a copy of your letter for each bureau. 

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since Friday, XX/XX/year>, I haven't been able to send money with XXXX. When I try, they tell me they're having problems and to try again later, but nothing. 
I called the bank, and they told me there's no problem on their end and that it could be the XXXX platform. I called XXXX support, and they told me there's no problem on their end either, that it's with the bank. Neither of them has been able to resolve the issue.

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 2025-06-30 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: NC

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: TX

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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