vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am contacting you regarding information on my credit report that I have previously disputed but continues to be reported inaccurately. This ongoing reporting of unverifiable or incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and correct or remove any information that can not be verified.

I request that you immediately reinvestigate all disputed items and ensure that any information that can not be verified is permanently deleted or corrected. Continued reporting of inaccurate information can significantly harm my creditworthiness and financial opportunities.

Please provide written confirmation of your investigation results and the actions taken to correct my credit report. I am providing all available supporting documentation to assist with your review. Prompt attention to this matter is required. 

Thank you for ensuring my credit report accurately reflects my credit history.

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 2025-11-18 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: MA

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

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 2025-11-18 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 filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or misused without my authorization. Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my information. Correct or remove any inaccurate information from my credit report related to this breach. Provide written confirmation of the investigation results and actions taken. Failure to address this issue may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. Please treat this matter with urgency and provide confirmation of receipt and investigation.

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 2025-11-18 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:
Fraudulent information has been listed on my credit profile due to identity fraud/ theft. I have attempted to mitigate the issue with the CRA. The CRA has decided to continue falsely and fraudulently report misleading and malicious information on my profile in direct violation of my FCRA rights. The last recourse would be a lawsuit filed in federal court against list CRA and all assisting parties

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MI

Complaint narrative:
This letter serves as a formal cease and desist notice regarding your companys recent attempts to collect a debt allegedly owed to XXXXXXXX XXXX XXXX, which pertains to my attendance during XXXXXXXX 

During a recent telephone call with one of your representatives, I was subjected to harassing, unprofessional, and abusive conduct. After I informed the operator that I was struggling financially, the representative : Insulted me and made degrading comments about my situation, Criticized me for being down on my luck, Aggressively pressured me for immediate payment, Repeatedly demanded to know when I would start paying back, Continued contacting and pressuring me after I clearly expressed hardship and discomfort.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
XXXX, the inaccuracies in my credit report are unacceptable and need immediate rectification. I am requesting that you review these accounts thoroughly, investigate the discrepancies, and correct the information promptly to comply with FCRA regulations. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1900.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$770.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$790.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$920.00} Action Requested : Immediate investigation and correction of all charged off accounts and their balances. 

Correction or removal of any incorrect late payments and inaccurate payment history.

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 2025-11-18 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-11-18 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-18 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate & Incomplete Reporting XXXX XXXX XXXX Dear Dispute Department, I am writing to dispute the account listed on my credit report under XXXX XXXX XXXX, reported as Closed/Derogatory with remarks Repossession ; Redeemed. The information currently being reported is inaccurate, incomplete, and not verifiable, and I am requesting an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

Here are the specific issues : XXXX. The account shows a {$0.00} balance and states I redeemed the vehicle, which means the loan was brought current and satisfied. Therefore, the derogatory repossession remark may not be reported unless it is 100 % accurate, complete, and verified with proper documentation. 
XXXX. The payment history shows multiple late payments, but there is no proof these late payments were valid, properly notified, or accurately recorded. 
XXXX. The Worst Payment Status of 6089 days late conflicts with other parts of the report and appears inconsistent. 
XXXX. The account is listed as Closed as of XX/XX/year>, yet the bureaus continue to report ongoing derogatory remarks without supporting documentation. 
XXXX. The creditor must validate all late payment dates, the repossession event, the redemption details, and the chain of custody for reporting, as required under the FCRA. 

What I am requesting : Please conduct a full investigation and provide validation of : The alleged repossession event Proof that proper notices were sent A complete payment history All records supporting late payment reporting Verification that this account is being furnished in compliance with FCRA, XXXX XXXX XXXX XXXX reporting guidelines If the furnisher can not provide full documentation, I am requesting that the following be removed : The Repossession ; Redeemed remark All derogatory late-payment notations Any negative payment history Any inconsistent or unverifiable data If the creditor does not respond with verified proof within the required timeframe, the account must be updated or deleted from my credit file. 

Please send results of your reinvestigation to me in writing. 

Thank you for your prompt attention.

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 2025-11-18 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: AL

Complaint narrative:
I am writing to file a formal dispute regarding several accounts listed on my credit report from TransUnion ( TU ). Below is the breakdown of the disputed accounts : Charged Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year> I made a payment to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX  of amount {$250.00}. I accidentally typed in {$250.00} when making my payment. I meant to only pay {$220.00}. When I called capital one on XX/XX/year> ( XXXX minute phone call ) to see if there was anything I could do they said that there was nothing I can do because the payment was pending. I said that it was fine because the funds were in my bank account. On XX/XX/year> I had received an email from Capital One saying that Capital One was going to withhold my funds for an additional XXXX business days to make sure that the funds cleared on XXXXXXXX XXXX XXXX side ( XXXXXXXX XXXX  is where I have my checking account ). On XX/XX/year> which was a phone call that lasted XXXX minutes I saw that they had made a payment adjustment where I was going to receive a check refund of {$250.00}. I never received any check in the mail because Capital One changed my address on file according to match whatever the XXXX has. 

I called on the following dates : XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call XX/XX/year> - XXXX min phone call Each and every single time I called I reiterated that there was no way I requested a refund on XX/XX/year> - XX/XX/year> of {$250.00} because the service terms and agreement for my credit card says that a consumer can only request a refund once the monies are considered available. but the funds were considered available AFTER XX/XX/year>. 

In today 's economy it is not okay to be making financial mistakes!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am aware of the discrepancies in my credit report and expect immediate action. The following accounts and inquiries do not accurately reflect my credit history. I demand that you correct these errors or face legal consequences for continued misreporting. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$3400.00} Inquiries : XXXX Date XXXX : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-18 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:
I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable accounts being reported by Equifax on my credit file. 

The following accounts are listed as charged off or derogatory, but I dispute their accuracy, completeness, and/or ownership under my rights provided by the Fair Credit Reporting Act ( FCRA ) 602A and 611. 

XXXX Accounts in Dispute : XXXX ( Account XXXX. XXXX, XXXX, XXXX ) These are old student loan accounts from 2005 that should no longer be reporting. 

XXXX XXXX ( XXXX, XXXX ) Balances and charge-off statuses appear incorrect. 

XXXX ( XXXX ) Incorrectly reported as charged off ; I have paid this account. 

XXXX ( XXXX ) Account shows inaccurate status and date of first delinquency. 

XXXX XXXX XXXXXXXX ) Balance and reporting date are incorrect. 

XXXX XXXX XXXXXXXX ) Account status not consistent with creditor records. 

XXXX XXXX XXXX ( XXXX ) Reported as charged off in error. 

XXXX XXXX XXXX ( XXXX ) Debt buyer account does not match original creditor records. 

XXXX XXXX XXXX XXXX XXXXXXXX ) Account appears unverifiable and outdated. 

Inquiries in Dispute : XXXXXXXX XXXX XXXX XXXX ( various dates in XXXX ) I did not authorize several of these inquiries. 

Late Payment Entries : Multiple accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are inaccurately reporting late payments. Some are incorrect, outdated, or have been paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I submitted request to Navy Federal Credit Union ( NFCU ) to apply my Servicemembers Civil Relief Act ( SCRA ) benefits as an XXXX XXXX Servicemember & Pennsylvania resident which makes me eligible under Key Provisional State status. 

NFCU denied my benefits stating that they only apply to Reservists called to XXXX XXXX. I provided reference to the specific PA law code which states that benefits of " key provisional state '' status apply equally to both XXXX and XXXX servicemembers, as long as they maintain Pennsylvania as their legal domicile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation