vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing a complaint regarding several inaccurate credit report items that remain after disputes filed under FCRA 611 and 623. 
The following furnishers and CRAs have failed to report accurate data : - XXXX XXXX XXXX  - XXXX - XXXX / XXXX XXXX - XXXX XXXX - Equifax, Experian, TransUnion I request CFPB enforcement action to ensure accurate reporting and removal of unverifiable

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX purchases ( ACH ) for {$76.00} and {$74.00} made on XX/XX/year> from my Chase account for XXXX XXXX XXXX were denied a chargeback request upon asking for XXXX. I was told by Chase Customer Service to speak with the Merchants ( XXXX and XXXX XXXX ) and was promptly denied by both of them, stating it would breach their Refund Policy. 

The game is plagued with server-side connection issues that Activision Support has told me multiple times through the Support Tickets that i have opened, that they have no control over and can not help me as its a problem for the Developers to fix. The desync/extrapolation issues in-game have been a widespread and highly publicized problem ( XXXX, XXXX, XXXX etc ) that they refuse to acknowledge ( publicly ) and fix. 

I have purchased all their games over the last 6 years, usually on XXXX and on XXXX and have dealt with the problem hoping it would eventually get fixed. This year, my patience has run out and XXXX fed up with it. I would like my money back for both purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Recently having my credit report polled from all three credit bureaus I noticed inaccurate information. I have several accounts from XXXX XXXX XXXX, Credit collection Service, as well as sunrise credit service. After disputing each account from Experian, Transunion, and Equifax accounts came back verified. Yet the records still show conflicting data. This violates the fair credit reporting act ( 15 U.S.C 1681 e ( b ) and 1681 i ( a ) due to failure to ensure accuracy or conduct a lawful reinvestigation. Also failed to provide any proof of ownership, validation, or chain of assignment for alleged debt violating the fair debt collection practices Act ( 15 U.S.C 1692g ( b ). Reporting unverifiable information after dispute is non compliance with federal law. I request that these collections amount be permanently deleted from all three credit bureaus.

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 2025-11-19 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report with XXXX  These accounts are inaccurately reported, and I request that they be investigated for correction : Charged Off ( No charged off accounts listed for XXXX ) Inquiries XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/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 2025-11-19 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized items that are severely affecting my credit profile. I have attempted to dispute these issues directly with the credit reporting agencies, but the inaccurate information remains. I am requesting the CFPBs assistance in ensuring a full, lawful investigation under the FCRA. 

XXXX. Incorrect Addresses Reported ( Not Mine ) The following addresses are incorrect, unfamiliar, and should not appear on my credit file. I have never lived at or been associated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses indicate possible file contamination, identity mix-up, or fraudulent activity. I request their immediate removal. 

XXXX. XXXX & XXXX Accounts I Do NOT Recognize The following derogatory accounts do not belong to me. I have no knowledge of these accounts whatsoever. They are inaccurate, unverified, and must be removed under FCRA 1681e ( b ) and 1681i : XXXX XXXX High Balance : {$75.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account. Please delete. 

XXXX XXXX XXXXXXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Please delete. 

I request that the furnisher be required to provide complete validation, including original applications, contracts, and account-level documentation. If they can not verify, the accounts must be deleted. 

XXXX. Unauthorized XXXX Inquiries The following inquiries were made without my permission. I did not apply for credit with these companies. These unauthorized inquiries violate FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that each unauthorized inquiry be investigated and removed immediately. 

Requested Action I request that the CFPB require the credit reporting agencies and furnishers to : Delete all wrong addresses from my file Delete the charge-off and collection accounts I do not recognize Remove all unauthorized inquiries Provide proof that all items are fully verified and compliant with the FCRA If the furnishers can not provide proper verification, the information must be removed immediately for accuracy and compliance. 

Conclusion These inaccuracies are damaging my financial stability, access to credit, and overall consumer rights. I am seeking your support to ensure a lawful and fair resolution. 

Thank you for your assistance.

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Nelnet on my Federal Direct Stafford loans. Nelnet reported my loans as XXXX days delinquent, but these delinquencies are the result of servicer error, not borrower behavior. 

When I first contacted Nelnet to access my account, the representative was unable to locate my loans using my Social Security number and/or date of birth. In addition, they had a random email address associated with the account that was not mine. 

I also attempted to access my loans through the Federal Student Aid ( FSA ) portal using my Social Security number, date of birth, phone number, and email, but the system did not recognize me. I was effectively invisible in the FSA database and had no access to view, manage, or make payments on my loans. 

Once Nelnet eventually located my loans, they activated a repayment plan for me. This confirms that the prior delinquencies were caused by servicer errors and lack of account visibility, not missed payments on my part. 

When I requested that Nelnet correct the inaccurate reporting, they stated they could no longer submit corrections to the credit bureaus on my behalf and advised me to contact the bureaus directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am writing to dispute multiple items on my credit report. Below are the details of the accounts I am disputing, separated by bureau. The disputes concern inaccuracies in the reporting of charged-off accounts, inquiries, positive accounts, and late payments. Kindly investigate the discrepancies and ensure that my credit report reflects accurate information. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am filing a dispute with Equifax regarding several accounts that have been inaccurately reported. The listed accounts in dispute contain charged-off balances that do not accurately reflect my current financial status, and I request a thorough review and correction of these discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Steel Lending Group LLC
State: AZ

Complaint narrative:
I am filing a complaint against Steel Lending Group regarding a vehicle loan tied to a car that was sold to me under misrepresentation and unsafe conditions. The vehicle contained XXXX XXXX XXXX and a strong odor indicating potential XXXX contamination. None of this was disclosed at the time of sale. 

Within weeks of purchase, the transmission failed and the vehicle became inoperable. I spent money attempting repairs but was not able to fix the issues. I contacted Steel Lending Group to pick up the vehicle and cancel the loan, but they refused and stated I must continue making payments. 

The dealership refused repair or assistance, citing a XXXX warranty, despite the fact that the defects were dangerous and clearly present before the sale. 

I am seeking cancellation of the loan, removal of the vehicle from my possession, protection of my credit, and refund of my down payment, as the sale involved nondisclosure of hazardous conditions and pre-existing mechanical failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XXXX called to apply for a loan for {$10000.00} from Sofi Loans. Representative did not ask for anything besides my name ( didnt clarify spelling of my name ) and address. The representative shortly expressed that I was denied due to debt to income and credit score. The patriot act was not stated before collecting personal information and after the representative expressed I was denied. I asked to speak to an underwriting supervisor or a compliance officer. They did not transfer me to either. The transferred me to another representative that expressed they would take down the information I requested which was 1. The full list of underwriting factors under 1002.9 ( b ) ( 2 ), 2. Confirmation of TILA disclosure accuracy 3. The results of the supervisory reconsideration or override.

4.Requested for them to disclose the key factors that adversely affected the score or determination. Also, What specific risk factors did the model identify? Due to the credit decision being based on a scoring model or automated tool. All of this was requested in writing through mail. 

The representative told me that someone from underwriting or compliance department would reach out within XXXX business hours. After XXXX business hours someone from the complaint escalations department called me. He expressed the same information that the initial representative stated about the denial. I did express that I needed more specific reasons insted of the generic ones. This representative expressed that information such as the patriot act did not have to be disclosed verbally. I expressed that no information was gathered in the application process and the representative admitted to using outdated information quote Im pretty sure you havent changed your social security number. Also, any internal notes, codes, or decision criteria used in the review did not have to be disclosed. I didnt receive any adverse action what so ever and I did express that I would be escalating this up to the CFPB and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint regarding an inaccurate and unfair late payment reporting from XXXX XXXX on my account. 

My account was set up on autopay, and for reasons that were never communicated to me at the time, the automatic payment did not process. I did not receive any notice that the payment failed, and I did not receive any warning that my account was at risk of being reported as late. As soon as I became aware of the issue, I immediately paid the full amount and brought the account current. 

I have maintained a strong payment history, and this isolated incident was the result of an unexpected autopay failure, not intentional neglect or inability to pay. XXXX  XXXX  has refused to provide any assistance or goodwill adjustment, even though I took immediate corrective action and the late payment is causing significant and disproportionate damage to my credit profile. 

I am requesting that XXXX XXXX  review this account at a higher level and remove the late payment reporting to the credit bureaus as a one-time courtesy, given the circumstances and the fact that the payment failure was tied to an autopay glitch rather than delinquency on my part. I am also requesting clarification on why no notification was sent regarding the failed autopay attempt. 

I am seeking CFPB assistance to have this matter reviewed fairly and to request the removal of the late payment that is currently harming 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXMy name is XXXX XXXX XXXX XXXX XXXX SSN ending in XXXXXXXXI have sent EXPERIAN three (XXXX) certified disputes demanding deletion of inaccurate personal information and name variations that do not belong to me:XXXX XXXX XXXX   Certified #XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified #XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified #XXXX XXXX XXXX XXXX XXXX XXXXEvery letter included copies of my New Jersey Drivers License, Social Security card, and NJ vehicle registration proving my correct name is XXXX XXXX XXXX, correct DOB XXXX and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs of the last EXPERIAN report I have (Report #XXXX  dated XXXX) and based on EXPERIANs complete failure to respond properly to my certified disputes, the following inaccurate items still remain on my file:\n\nName variations: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (no middle initial)XXXXOld/outdated addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple others I have never lived atXXXXMultiple XXXX  telephone numbers I have never ownedXXXXEXPERIAN has now exceeded the 30-day investigation period on all four disputes (and the 45-day maximum with extension) without permanently deleting these unverified items. This is a willful violation of FCRA 15 U.S.C.  1681i(a)(5)(B) which requires permanent deletion of any information that cannot be verified.XXXXThe continued presence of this inaccurate and outdated personal information is preventing accurate identification, lowering my credit score, and causing me ongoing harm.\n\nI demand that EXPERIAN immediately and permanently delete all disputed name variations, addresses, and telephone numbers that do not match my government-issued ID, and provide me with an updated clean report.\n\nI have attached copies of all three certified mail receipts'

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 2025-11-19 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 do not recognize these accounts ; they must be deleted within 15 days per USC 1681g.

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