vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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:
I am submitting a complaint against Equifax, Transunion and Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXXday period ( 15 U.S.C. XXXX ( 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 2025-05-08 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of several items listed on my Experian credit report. These accounts contain incomplete, inconsistent, or unverifiable information and are reported in a way that may violate the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611.

Below are the specific accounts I am disputing : -- - XXXX. XXXXXXXX XXXX XXXXXXXX ( Acct. Ending in XXXX ) This account was closed by the credit grantor without prior written notification, which I was entitled to under the Fair Credit Billing Act.

Late payment notations were reported post-closure, although I was never offered a chance to resolve the account before closure. 
Requested Action : Remove any delinquency notations associated with this account and update the record to reflect a neutral closure or remove the account if no closure notice can be verified. 



-- - XXXX. XXXX XXXX XXXX ( Accounts ending in : XXXX, XXXX, XXXX ) These entries include several months of X status or lack of payment data, reflecting either missing or unverified information. 
Requested Action : Please investigate the full payment history and verify the accuracy of these accounts. If no complete record is provided by the data furnisher, I request deletion of the accounts for non-compliance with accurate reporting standards. 



-- - XXXX. XXXX XXXX ( Accounts ending in : XXXX and XXXX ) These credit lines show unexpected credit limit increases ( e.g., from {$590.00} to {$2000.00} ) without accompanying documentation or proper explanation. 

This could represent inaccurate reporting of revolving credit utilization. 
Requested Action : Verify the credit limit change history and provide evidence of the changes. If not verifiable, correct the reported limits or remove the account. 



-- - In accordance with FCRA regulations, I am requesting that Experian : 1. Investigate each disputed item, 2. Provide verification from the original creditor, and 3. Correct or delete any unverifiable or inaccurate data.

Please respond within the required 30-day window. I have enclosed copies of my government-issued ID and a utility bill as proof of identity and residence. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN : XXXX ( last four only ) Phone : ( 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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CT

Complaint narrative:
Account was paid to XXXX XXXX  bank and closed XX/XX/XXXX paid with debit card.Currently being reported as late {$760.00}. Past due as of XX/XX/XXXX Reported by Jefferson Capital systems XX/XX/XXXX XXXX XXXX reported as closed XX/XX/XXXX and XX/XX/XXXX currently reporting as in collection on all XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
Theres an account showing up on my credit report that does not belong to me. Its clearly been mixed in from someone elses file, and its affecting my credit through no fault of my own. This is not my account, Im not associated with it in any way, and it should have never been linked to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My TransUnion credit report contains several inaccurate charge-offs that have significantly impacted my financial stability, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX ) for {$1000.00} as of XX/XX/XXXX, XXXX XXXX ( XXXX ) for {$1200.00} as of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) for {$20000.00} as of XX/XX/XXXX, XXXX XXXX ( XXXX XXXX for {$2300.00} as of XX/XX/XXXX, XXXX  ( XXXX ) for {$10000.00} as of XX/XX/XXXX, and XXXX XXXX XXXX  ( XXXX ) for {$660.00} as of XX/XX/XXXX. These entries appear to have been reported without proper validation, violating my rights under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ). The ongoing presence of these unvalidated charge-offs has been a significant source of stress, limiting my access to credit, housing, and financial stability. It is deeply concerning that such errors could persist without correction, potentially indicating a data breach or mishandling of my personal information. This lack of accuracy not only undermines my financial future but also erodes my trust in the credit reporting process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MO

Complaint narrative:
I am reporting an account from XXXX XXXX  that is being inaccurately and inconsistently reported on my Equifax credit report. The information does not match what is shown on XXXX  and is missing critical data required for accurate credit scoring and evaluation. 

No last payment date is listed on Equifax, while XXXX  shows XX/XX/year>. 

Equifax lists a first delinquency date of XX/XX/year>, but other bureaus do not show any delinquency until XXXX, causing confusion and inaccuracy. 

XXXX  reports a past due amount of {$150.00}, but Equifax lists the full balance with no past due status. 

The account type is not clearly identified as a charge card, which may lead to incorrect utilization scoring. 

Under FCRA XXXX ( b ), Equifax is required to report information that is fair and accurate. Since these details are inconsistent and incomplete, Im requesting this account be corrected or deleted entirely from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My Equifax credit report also reflects multiple inaccurate late payment entries, including XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX and DEPT OF EDXXXX ( XXXX ) with dates including XX/XX/XXXX and XX/XX/XXXX. These entries have been reported as past due without proper validation, violating my rights under 15 USC XXXX and XXXX ( b ). This persistent reporting of inaccurate late payments has significantly damaged my credit profile, creating financial hardship and preventing me from accessing fair credit opportunities. The presence of these unvalidated entries raises serious concerns about the security and accuracy of my personal financial data, potentially indicating a data breach or other unauthorized use of my information. This ongoing issue has caused immense stress, as I continue to face unjustified financial obstacles due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have written several times to resolve this dispute in my favor. I did not make this purchase, therefore the only information I have are my monthly statements, which I have submitted multiple times showing that the charge did not post until 5 months after the transaction date. Home Depot Customer Service, HomedepotXXXX, and Citibank have not tried to resolve this matter. This fraudulent transaction was posted on my statement in XXXX of XXXX, and is listed as follows : Trans Date Description Reference # Amount XX/XX/XXXX Home Depot.com XXXX XXXX {$2900.00} The original statement had the charge duplicated, they have removed the duplicate charge, but are still billing me for the amount stated above. No purchase was made by me from HomedepotXXXX, I called immediately after receiving my statement to dispute the charges. I was told a new card would be issued and the charge would be looked into and reversed. I was not provided with additional instructions because my card was not lost or stolen. It was in my possession, and I did not give anyone else permission to use the card to make purchases. 

To date, the issue still has not been resolved despite my many phone calls and written letters. Please review credit card statements from XX/XX/XXXX through 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 monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: AL

Complaint narrative:
2nd request for debt collection and this has been resolved years ago. This worries me to death, please stop sending if my check from work paid all down. I need a letter saying this is paid and stop sending this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My XXXX, Experian, and XXXX  credit reports also reflect late payments on multiple accounts, including 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 XXXXXX/XX/year>. These entries are incorrectly reported, suggesting late payments that were never made, in violation of my rights under 15 USC 1666 and 1666 ( b ). These ongoing inaccuracies have caused significant emotional and financial distress, as they unfairly lower my credit score and hinder my ability to secure loans or even basic financial services. This situation is not only frustrating but also deeply concerning, as it raises questions about the integrity and security of my financial data, potentially indicating a data breach or other mishandling of sensitive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
XXXX XXXX XXXX has been sent a copy of the 1099c by mail on XX/XX/XXXX. 
Federal Reserve Note/ Paper Money/ Cash are obligations or other security of the United States per XXXX U.S. CXXXX XXXX, XXXX U.S. CXXXX XXXXXXXX ( XXXX XXXX XXXX XXXX ), and XXXX U.S. CXXXX XXXX. Therefore, the 1099c is a lawful and a legal tender form of payment to fully pay the contract. -- -- - " A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). -- -- - ( XXXX U.S. CXXXX XXXX ). Federal Reserve notes/paper money/cashs only purpose is for making advances to Federal Reserve banks through the Federal Reserve agents only XXXX -- -- - Notice to the agent is a notice to the principal/ executives. Notification of legal responsibility is the first essential of due process of law. 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 2025-05-08 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: NV

Complaint narrative:
XXXX XXXX XXXX has been sent a copy of the 1099c by mail on XX/XX/XXXX. 
Federal Reserve Note/ Paper Money/ Cash are obligations or other security of the United States per XXXX U.S. CXXXX XXXX, XXXX U.S. CXXXX XXXX ( XXXX XXXX XXXX XXXX  ), and XXXX U.S. CXXXX XXXX. Therefore, the 1099c is a lawful and a legal tender form of payment to fully pay the contract. -- -- - " A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). -- -- - ( XXXX U.S. CXXXX XXXX ). Federal Reserve notes/paper money/cashs only purpose is for making advances to Federal Reserve banks through the Federal Reserve agents only . -- -- - Notice to the agent is a notice to the principal/ executives. Notification of legal responsibility is the first essential of due process of law. 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 non-monetary relief
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
XXXX XXXX XXXX has been sent a copy of the 1099c by mail on XX/XX/XXXX. 
Federal Reserve Note/ Paper Money/ Cash are obligations or other security of the United States per XXXX U.S. CXXXX  XXXX, XXXX U.S. CXXXX  XXXX ( XXXX XXXX XXXX XXXX ), and XXXX U.S. CXXXX  XXXX. Therefore, the 1099c is a lawful and a legal tender form of payment to fully pay the contract. -- -- - " A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ( XXXX ). -- -- - ( XXXX XXXX XXXX XXXX ). Federal Reserve notes/paper money/cashs only purpose is for making advances to Federal Reserve banks through the Federal Reserve agents only . -- -- - Notice to the agent is a notice to the principal/ executives. Notification of legal responsibility is the first essential of due process of law. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During husband 's XXXX, I requested that the disputed account be put into SCRA or MLA due to being a dependent of a servicemember, and the company said I did qualify but failed to honor it. XXXX XXXX has opened and closed the account several times, as reflected on the credit report, which violates 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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was traveling abroad when I noticed a suspicious transaction on my Wells Fargo credit card. I contacted customer service, and they agreed to issue a new card and change my card number. However, they never sent the new card. At the same time they changed my card number, they drastically reduced my credit limit from {$8500.00} to {$3900.00} without any prior notification. This was especially surprising given my XXXX credit score and perfect record of on-time payments.

I checked my mail and email thoroughly and never received any notification from Wells Fargo about the reduction. The only time I realized something was wrong was when I saw my credit score drop by almost XXXX points. When I contacted customer service, they had no explanation for the timing or the reason behind the reduction. It seems highly unusual that the credit limit change coincided exactly with the card number change, especially since I had never missed a payment or had any issues prior to this. 

This lack of communication and the drastic reduction in my credit limit caused financial stress and a substantial negative impact on my credit score. I am seeking the CFPBs assistance to have my previous credit limit restored and to receive a clear explanation from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I submitted my XXXX discharge application on XX/XX/year>, with medical certification completed XX/XX/XXXX. The portal has said In Review for weeks, even though it says decisions take about 3 days. Ive contacted Nelnet multiple times the phone system loops, agents say they have no info, and my email wasnt answered. I also tried the XXXX Ombudsman but got disconnected. This delay is harming me financially and medically, and I need my application reviewed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My TransUnion, XXXX, and XXXX  credit reports also reflect late payments on multiple accounts, including 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 entries are incorrectly reported, suggesting late payments that were never made, in violation of my rights under 15 USC 1666 and 1666 ( b ). These ongoing inaccuracies have caused significant emotional and financial distress, as they unfairly lower my credit score and hinder my ability to secure loans or even basic financial services. This situation is not only frustrating but also deeply concerning, as it raises questions about the integrity and security of my financial data, potentially indicating a data breach or other mishandling of sensitive information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MI

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