vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I disputed three transactions 2 time my debit card was stolen it out of my truck I had a case num I send well the case was being investigated and the denied my dispute before the case was done being investigated by the police department I didn't make the charges and I'm doin what need to be done and they keep denying my disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I made a debit card purchase totaling {$320.00} from the merchant XXXX. The order included two items. One item ( a handbag valued at {$230.00} ) arrived in a damaged box, with missing parts, and required assembly that was not disclosed in the product description. Because of the missing parts and condition of the packaging, the item was unusable.

I contacted the merchant multiple times, provided photos, and requested a refund. The merchant refused to issue a refund, told me to assemble the item myself, and later provided unreasonable return instructions requiring international shipping to XXXX at my expense and instructions to mis-declare customs values. No proper return label or reasonable solution was provided.

I disputed {$230.00} of the {$320.00} charge with Citibank. I mailed a full appeal packet with documentation and evidence on XX/XX/year>. Citibank confirmed receipt. I later received a missing information notice requesting basic transaction details, which I provided again and mailed on XX/XX/year>. 
Despite submitting documentation twice and following all instructions, Citibank denied the dispute on procedural grounds and is now demanding payment of the negative balance. I have received collection calls while attempting to resolve the dispute. I believe Citibank failed to properly process the submitted documentation and did not conduct a reasonable review of the dispute, despite clear evidence that the merchandise was not as described and the return was not feasible due to the merchants actions. 
I am requesting a fair review of the dispute, removal of the negative balance related to the {$230.00} charge, and cessation of collection activity related to 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 monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My federal student loans were previously serviced by Great Lakes and transferred to Nelnet. Since the transfer, my account contains multiple servicing errors and inaccurate information.

My account shows my repayment plan as SAVE Plan Pause Forbearance.

The SAVE plan is an income-driven repayment ( IDR ) plan and should not be placed in forbearance. This appears to be improper forbearance placement and is preventing proper IDR processing and forgiveness credit.

My next payment due date is listed as XX/XX/year>, which is inconsistent with normal repayment schedules. This appears to be an unauthorized extension of my repayment timeline and may negatively affect my loan term and interest calculations.

Interest is accruing even though I am on the SAVE plan with a {$0.00} calculated payment.

Under SAVE rules, unpaid interest should not grow when a borrowers payment amount is {$0.00}. My account shows over {$900.00} in unpaid accrued interest, which should not be happening under the SAVE subsidy rules.

My consolidated loan appears to be split into two separate groups ( XXXX XXXX and XXXX XXXX  ) instead of being processed as a single consolidation loan. This has created discrepancies in the principal balance and interest tracking.

These issues are causing inaccurate repayment tracking, improper interest accrual, and potential harm to my eligibility for future loan forgiveness. I am requesting a full investigation and correction of all inaccurate information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my Experian credit report. These accounts are inaccurately reported and I request a full investigation and removal of these items based on the following information : Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$510.00} Late Payments : XXXX Account Number : XXXXXXXX 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 2025-12-15 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: NC

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 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 2025-12-15 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: NC

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 2025-12-15 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: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of 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 2025-12-15 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: PA

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
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 2025-12-15 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:
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 2025-12-15 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 dispute the following items listed on my credit report. These accounts are in dispute, and I believe there are inaccuracies that need to be corrected. 

Charged Off Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$1400.00} Late Payment Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : Not provided Balance : Not provided Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXate Opened : Not provided Balance : Not provided

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 2025-12-15 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
So theres no way to just send a rebuttal to your response which makes absolutely no sense but this is the government so Im sending a brand complaint the last time I did this she responded by saying that your previous answer remains the same and that you found in my favor. What if that was the case then why do I have a balance of {$1500.00} when I should have a XXXX balance this was a fraudulent transactions you keep charging me late fees and now youre charging me a paper statement fee. I never asked you to send me paper statements never youre the one that just stop sending them via email. That was your decision not mine so I dont know why you think that you have the right to charge me for paper statements whenever I did not request them I was paperless, but I shouldnt be getting a statement at all at this point considering that you found in my favor and I have a XXXX balance, I didnt use the card all the transaction in the car to fraudulent. Im not gon na stop fighting this until I have a XXXX balance we can go on and on and on and on and on forever for all I care we can go to court, but believe me Ill show up with all of my documentation. Ive kept everything I wasnt at any of these locations that the transactions were made at I can produce alibis. I have cameras in my house outside my house, cameras everywhere these days I can prove where I was at, and then on top of everything else I was a victim of a crime and you decided to close my account no explanation youve never given me an explanation, why you close my account I was a good customer. Never had any issues until this and now I have a problem and you dont like it that you might be on the hook because you should have a XXXX liability and all of a sudden you close my account like Im a criminal but Im not I think you forget Im the victim I made victim of a crime. Should I repeat that again? I am the victim of a crime you keep forgetting that someone else used my credit card. I should not be responsible for any of these charges, I should have a XXXX balance and I think you should explain yourself. Why are you closed my account? Theres absolutely no reason for you to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-15 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: IL

Complaint narrative:
Dear Sir/Madam, I am disputing several items on my credit report with the credit bureaus, Equifax. Below are the details of the accounts I am disputing : Charged Off Accounts MOHELA/DOFED Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Wells Fargo allowed an unauthorized user to make a tele-phone fund transfer out of my savings account ( XXXX ). I did not give anyone permission to touch my money. I share this account with no one. I notified the fraud department as soon as possible, and they said they would expedite the call. That i could not stop it because it had already been moved. I've pressed charges at my local sheriff 's office and filed an identity theft report with identitytheft.gov. I have multiple recorded phone calls with Wells Fargo of giving me the run around, not filing things that were already supposed to be done, and negligence on the bank 's behalf. I have recieved a letter in the mail from them saying they consider this transaction to be authorized and have closed the claim. I have asked them to pull the recorded call of that transaction. They are ignoring me to the fullest.

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 2025-12-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this complaint to formally dispute inaccurate information reported on my credit file by multiple creditors. These inaccuracies are impacting my credit record and require immediate investigation and correction. 

The following items are reported incorrectly : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX This address is not mine and I have no knowledge of it. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX This address is not mine and I have no knowledge of it. 

Charge-Off Accounts ( disputed as inaccurate ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year>, Balance {$4300.00} XXXX dispute the validity of this charge-off. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/year>, Balance {$26000.00} XXXX dispute the validity of this charge-off. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/year>, Balance {$5000.00} XXXX dispute the validity of this charge-off. 

I request that the CFPB require the credit reporting agencies and the above-listed creditors to : Conduct a full reinvestigation of these items. 

Correct or delete any information that can not be verified as accurate. 

Provide written confirmation of the outcome of the reinvestigation. 

I have attached supporting documents to demonstrate my current addresses and my dispute of the listed accounts. 

I expect a prompt and thorough review of these matters, as the inaccuracies are negatively affecting my credit profile.

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