vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has egregious reporting practices. They reported me 90 days late to all 3 credit bureaus without letting me know of the 30 or 60 days past due. I never received anything in the mail from them in regards to any issues. They caused my credit score to drop XXXX points, that's outrageous. This pratice is unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I had transactions on my chime card that I did not make.The transactions were labeled XXXX XXXX, so I checked my XXXX  account and those purchases were not on my account. I did not make these purchases. I reached out to chime and filed a dispute on the XXXX with evidence, but they denied it. I was stolen from and chime did nothing about it. XX/XX/XXXX someone made XXXX transactions of {$54.00}, XXXX transactions of {$76.00}. 
On XX/XX/XXXX someone made XXXX transaction of {$100.00}. On XX/XX/XXXX someone made XXXX transaction of {$54.00}. On XX/XX/XXXX someone made XXXX transaction of {$3.00}. A total of {$630.00} all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: WA

Complaint narrative:
I am submitting this complaint against Experian for failing to remove a fraudulent auto loan from my credit report, despite clear evidence. While serving in the XXXX XXXX, I was fraudulently enrolled in an auto loan while in XXXX XXXX, a time when soldiers are not allowed to purchase vehicles without command approval. An unauthorized NCO coerced soldiers into purchasing vehicles for personal financial gain, and the dealership falsified my contract by listing " XXXX '' and an invalid number instead of my authorized leaderships signature. This act was fraudulent and likely violated the Uniform Code of Military Justice ( UCMJ ).

I filed disputes with all three credit bureaus, and both XXXX and XXXX removed the fraudulent debt after reviewing the same evidence I provided to Experian, including a copy of the contract proving forgery. Despite this, Experian refuses to remove the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable investigation and remove inaccurate, incomplete, or unverifiable information. Their refusal to act, despite XXXX other bureaus deleting the debt, may constitute a violation of federal law.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene and require Experian to immediately remove this fraudulent auto loan from my credit report. Additionally, I request Experian provide a written explanation of its verification process and why it refuses to remove an account that has been deemed fraudulent by other reporting agencies. I have attached all relevant documents, including the fraudulent contract the deletion letter from XXXX and a recent credit report from XXXX that shows the debt removed, for review. If Experian does not act, I am prepared to pursue legal action under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Social security sent funds of XXXX on XX/XX/scrub> 2025 to my account with Chime bank. As of today.XXXX no funds have been made available. I have called every day for 5 days and I am told The funds will be added within twenty four hours. Social security verifies Dispersing the funds on XXXX. I need the money for food and living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very uncomfortable with Experian advertising on all of the gaming platforms I frequent! I was recently hacked twice and none of the credit reporting agencies caught it. Having to change p.w.s and protect myself, reporting to police, my financial institutions, and creditors made me hyper-alert to the possibilities inherent in our systems. When gaming platforms are reportedly vulnerable to hacking, why would anyone continue to trust any credit agency where I can access my own information while the third party app is running?! The last draw was when I contacted Experian to cancel my membership and remove my information from their database. IT WAS NOT AN EASY PROCESS! Navigating through the Experian automated system for a live agent took no less than XXXX calls and twenty minutes on each until I was finally speaking with an agent. I was told that my free membership would be canceled but the information would not be removed. Corrupt! 

I also addressed my concern with one of the gaming companies who accept their advertising client.

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 2025-03-29 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-29 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-29 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: NY

Complaint narrative:
i recently view a copy of my credit report and found fraudulent activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple errors in my personal information. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting the immediate removal of incorrect details from my credit file. 
Corrections Requested : XXXX. Name : The only correct name that should appear on my report is XXXX XXXX. Please delete all other name variations, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address : My only valid current address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. 
Please delete all other addresses, including : XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am demanding the removal of this incorrect and misleading information from my credit report. It blatantly violates multiple sections of the Fair Credit Reporting Act ( FCRA ). Under Section 604 ( a ), you are only permitted to allow access to my credit report for specific, permissible purposes. Im questioning whether this data even meets that standard.

Under Section 611 ( d ), any unverifiable information must be removed from my credit report during the reinvestigation process. I expect a thorough and immediate review of this data, and the deletion of anything you can not verify.

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 2025-03-29 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX OH XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Deleted Account from Credit Report Dear Transunion XXXX XXXX, XXXX I am writing to formally notify you regarding the recent deletion of a charge-off account originally reported by XXXX XXXX bank from XXXX XXXX credit report. My name is XXXX, and the account in question had a balance of {$250.00}. Following my dispute, XXXX completed their investigation on XX/XX/XXXX, and subsequently deleted the account from my XXXX report. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information on my credit report, and this includes accounts that can not be verified. Since XXXX has deemed this account unverifiable and has removed it entirely from their reporting, I am requesting that you take similar action with regard to your records. 

The FCRA mandates that if an item is determined to be unverifiable, it must be removed from the credit report. Specifically, under Section 611 ( a ), you are required to conduct a reasonable investigation and, if you can not verify the information, you must delete it from my credit report. I expect that you will comply with this requirement and remove the unverifiable debt from my credit report within XXXX  days of this notice.

Failure to remove this account within the specified time frame will leave me with no choice but to consider further action. As a consumer, I have the right to take legal action under the FCRA, including but not limited to seeking damages for violations of my rights as outlined in Section 616.

Please consider this letter a formal request for the immediate removal of the unverifiable account from my credit report. I expect a written confirmation of the removal within XXXX  days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 

XXXX XXXX Account Number : XXXX Date XX/XX/XXXX Company or Organization : XXXX Account Number : XXXX Date XX/XX/XXXX : Company or Organization : XXXX CARD Account Number : XXXX Date XXXX XXXX Account Number : XXXX Date XX/XX/XXXX Company or Organization : XXXX XXXX Account Number : XXXX Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Dear, Equifax Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported : XX/XX/XXXX XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Dear, Equifax Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX credit card Account number : XXXX Date reported : XX/XX/XXXX XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief