vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am requesting an immediate investigation and full removal of the student-loan tradelines reporting across my credit file because they are inaccurate, unverifiable, and non-compliant with federal requirements under the FCRA, XXXX XXXX standards, CFPB regulations, XXXX emergency student loan relief rules, and the GrammLeachBliley Act ( GLBA ), which mandates the protection of sensitive consumer financial data and requires institutions to maintain the accuracy, confidentiality, and integrity of all information furnished to third parties. These student loansincluding the XXXX University XXXX XXXX accounts reporting on my credit reportshave not been supported by any documentation proving enrollment, XXXX submission, promissory note, borrower authorization, disbursement record, or federally required validation. Under the CARES Act and XXXX federal protections, student-loan servicers were required to suspend negative reporting, ensure accurate furnishing, prevent adverse actions, and maintain strict data controls during national emergency periods ; however, these accounts continued to be furnished with active balances and derogatory information that contradicts federal relief requirements. In addition, the inaccurate furnishing of these accounts violates FCRA 1681s-2 ( a ) ( duty to report only complete and verifiable information ) and 1681s-2 ( b ) ( requirement to conduct a reasonable investigation ), and also conflicts with XXXX XXXX data-integrity rules , which prohibit the reporting of accounts lacking proper consumer identifiers or complete substantiating records. Further, under the GLBA Safeguards Rule, financial institutions must maintain strict controls over consumer data and ensure that only accurate, verified information is shared with credit bureaus ; the reporting of unvalidated student-loan information constitutes a failure to maintain the data accuracy and quality mandated by GLBA. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX ) lawsuit settlement established federal precedent requiring loan servicers, the Department of Education, and credit bureaus to permanently delete and forgive improperly serviced, inaccurately reported, or unverifiable student loans, especially those affected by data integrity failures or pandemic-era processing issues. Because no supporting documents have been produced and the information being furnished is not compliant with federal law, a fair and lawful resolution is the full deletion of all student-loan tradelines from all credit reports, complete forgiveness of any associated balances, permanent blocking of future re-reporting, and written confirmation of these corrections. I respectfully insist that the reporting entities comply with all applicable federal statutes and furnishers obligations, and remove all unverifiable student-loan data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
In an email dated XX/XX/XXXX, the recovery agent for EasyPay Finance stated that the settlement offer on my account would be voided if payment was not received by XX/XX/XXXX. The payment did not process, and therefore the agreement was voided as of XX/XX/XXXX, based on their written communication. 

Despite the settlement being voided, EasyPay Finance electronically withdrew {$140.00} from my bank account on XX/XX/XXXX. This withdrawal was not authorized, as no valid payment arrangement or authorization existed after XX/XX/XXXX. Their own supervisor later referred to the transaction as an error, but it resulted in an unauthorized debit from my account. 

This appears to violate the Electronic Fund Transfer Act ( unauthorized electronic withdrawal ) as well as multiple provisions of the Fair Debt Collection Practices Act, including false representations and attempting to collect an amount not permitted by any agreement. 

I am requesting that EasyPay Finance refund the unauthorized withdrawal, correct their records, cease all further collection activity, and provide written confirmation that the account is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
This letter serves as my final demand and notice before I take further action regarding the continued inaccurate reporting of late payments on both closed and open accounts appearing on my credit file. 
This matter has been disputed multiple times. You have had more than sufficient time and information to correct the inaccuracies, yet the same false information continues to be reported. 
At this point, its clear your failure to act is no longer an error its willful negligence and a direct violation of my rights under federal law. 
Let me be very clear : I am the consumer submitting this dispute directly. I am not represented by any third party, and I am fully aware of my legal rights. Sending generic stall letters or template replies instead of actual reinvestigations is unacceptable and unlawful. 
Accounts in Dispute : 1. XXXX XXXX XXXX  Account Number : XXXX 2. XXXX XXXX Account Number : 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 2025-12-01 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$9300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-01 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts and inquiries listed on my credit report, which I believe are inaccurate or outdated. Below are the details of the accounts in question, separated by bureau. 

Inquiries : XXXX Date : XX/XX/year>

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 2025-12-01 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate information reported by XXXX XXXX XXXX on my credit report across all three major credit bureaus, including a reported 30-day late payment on my account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I opened on XX/XX/XXXX, with a balance of {$22000.00} and have consistently paid on time, including my most recent payment on XX/XX/XXXX ; despite providing clear evidence such as payment confirmations and bank statements, the credit bureaus have failed to correct the error, resulting in harm to my creditworthiness, and I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX and the credit bureaus investigate this matter in accordance with FCRA 1666, 1666a, 1681i, 623 ( a ) ( 2 ), and 623 ( b ), and promptly update my credit file to reflect the accurate status of my account.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/25, XXXX XXXX XXXX XXXX XXXX  FL charged my credit card for XXXX. I did not authorize this purchase. Additionally, Bank of America did not notify me that my account had been charged by phone, mail or email. I did not notice until I realized that my credit score dropped XXXX points as this account had become delinquent, Once I was made aware by Bank of America, I paid the account immediately. I demand immediate action that this charge and negative credit report be taken off of my credit report immediately.

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 2025-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted 3 Amex gift cards of different totals. I have had a nightmare of a time being able to use them but finally was able to utilize 2. I attempted to use the 3rdXXXX after successfully using it once in person and once online, several months later ( today ) I went to make a purchase at the same online retailer and amex decided to decline the transaction. It continued to decline, and when I tried to use it elsewhere declined again and this time they placed a HOLD on the card. When I signed in to check the balance again and confirm it still had a full {$50.00} on it - that is when I noticed the hold. I called immediately and was told my only option at this point was to have them resend an Amex gift card even tho I can't seem to use them anywhere. They placed a Hold that they CANT remove which is absolutely insane. I was told the ONLY option was a resend. Oh, and did I mention that they can't send a virtual card available right away, they can only send another physical card- with the same issues. So I have to wait for a new useless Amex gift card to arrive so that I can not be able to use it either. Buyer beware- skip the Amex gift card- for your own sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am following up on my previous dispute regarding the collection account XXXXXXXX XXXX XXXX XXXX with a balance of {$310.00}, which continues to appear on my credit reports despite being inaccurate and unverifiable. I have no record of opening this account or incurring this debt, and its continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update Information, and 607 ( b ) CRA Accuracy Requirements, all of which require maximum possible accuracy. The furnisher has not provided sufficient documentation to substantiate the debt, including the original account agreement, the date of first delinquency, or a detailed payment history, making the reporting misleading and incomplete. Under FCRA 611 and 602 ( a ), as well as 15 U.S. Code 1666 and 1666a, I am entitled to have inaccurate or unverifiable information corrected or removed promptly, and the reporting of this account without proper verification continues to harm my credit profile and access to financial services.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I was denied credit in XXXX and ran my credit report and found accounts I did not open or addresses I did not live.

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 2025-12-01 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: GA

Complaint narrative:
I was denied credit in XXXX and ran my credit report and found accounts I did not open or addresses I did not live.

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 2025-12-01 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: MS

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$10000.00} Date XXXX Last Payment : XX/XX/XXXX Payment History Lates XXXX  days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$8900.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} ate Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX 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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not give my consent or authorization, nor did I receive any benefit from these following accounts. This situation is deceptive, and I request the immediate removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-01 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$99.00}

Company response to consumer: Closed with explanation