vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXXXXXX 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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Never was notified about owing any debt, requested legal documentation of debt owed through XXXX. Never received, yet accounts continues to be updated as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Ive recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to on time immediately. Thank you for your understanding and prompt.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX my checking and savings accounts were XXXX  out. I realized on the XXXX that I no longer had possession of my card. I was checking my account to pay a bill, and it was XXXX. I grabbed my wallet and realized I didn't have my card. The last purchase I made was in the morning at the corner store. I called to claim the issue and have been given the run around. The Bank is Wells Fargo. They closed my initial claim. I disputed it, so they reopened it, took the entire 10 working days to contact me, and refused to tell me anything. They closed it. I had them re open it and they sent it to the executive team who also would not tell me anything. They took the full 30 business days and told me the investigation was being extended until XX/XX/XXXX. The issue happened XX/XX/XXXX. It's been months and everyone there just doesn't care. I am afraid they will tell me the same on that date. I have things to do that require money. They refused to give me anything as a provincial credit. I'm super mad. I will not be banking with them after I get my money back

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 2025-06-23 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: OH

Complaint narrative:
I am filing a formal complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX XXXX XXXX in the handling of a tradeline reporting to the credit bureaus. 

Violations Identified : Inaccurate and Incomplete Dispute Reporting The account shows as under dispute on some sections of the report but fails to carry that dispute flag consistently throughout the tradeline and payment history. Under FCRA 1681s-2 ( b ) and Metro 2 guidelines, any dispute must be clearly marked across all relevant fields to ensure transparency and compliance. This inconsistency misrepresents the tradeline and suppresses fair scoring algorithms.

Improper Status Update Practices The account status shows as last updated in XX/XX/XXXX, yet activity and balance updates are shown as recent as XX/XX/XXXX. This is a clear contradiction and violates FCRA 1681e ( b ), which requires the furnisher to ensure all information is accurate and up to date. Reporting activity without updating the actual status is misleading and deceptive.

Unexplained Balance Increase The original balance was reported as {$4900.00}, but the current balance shows {$4900.00}. There is no explanation or itemized breakdown of this increase. Furnishers are required to report accurate and verifiable balances, and this unexplained discrepancy raises serious compliance concerns under FCRA 1681s-2 ( a ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the amount owed ).

Lack of Proper Validation and Reinvestigation I previously disputed this account with the credit bureaus. However, I never received any form of debt validation from the furnisher, and the credit bureau ( Experian ) failed to provide documentation showing a reasonable reinvestigation, violating FDCPA 809 ( b ) and FCRA 1681i ( a ). The law requires that the account be verified with actual documentation, not just marked as verified with no supporting evidence.

Re-Aging Concerns The furnisher appears to be re-aging the debt by updating the balance and payment activity each month without proper justification. If the Date of First Delinquency ( DOFD ) remains the same, but updates continue, this violates FCRA 1681c ( a ) ( 4 ), which limits the time derogatory accounts may appear on a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: OH

Complaint narrative:
I am filing a formal complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX XXXX XXXX in the handling of a tradeline reporting to the credit bureaus. 

Violations Identified : Inaccurate and Incomplete Dispute Reporting The account shows as under dispute on some sections of the report but fails to carry that dispute flag consistently throughout the tradeline and payment history. Under FCRA 1681s-2 ( b ) and Metro 2 guidelines, any dispute must be clearly marked across all relevant fields to ensure transparency and compliance. This inconsistency misrepresents the tradeline and suppresses fair scoring algorithms.

Improper Status Update Practices The account status shows as last updated in XX/XX/XXXX, yet activity and balance updates are shown as recent as XX/XX/XXXX. This is a clear contradiction and violates FCRA 1681e ( b ), which requires the furnisher to ensure all information is accurate and up to date. Reporting activity without updating the actual status is misleading and deceptive.

Unexplained Balance Increase The original balance was reported as {$4900.00}, but the current balance shows {$4900.00}. There is no explanation or itemized breakdown of this increase. Furnishers are required to report accurate and verifiable balances, and this unexplained discrepancy raises serious compliance concerns under FCRA 1681s-2 ( a ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the amount owed ).

Lack of Proper Validation and Reinvestigation I previously disputed this account with the credit bureaus. However, I never received any form of debt validation from the furnisher, and the credit bureau ( Experian ) failed to provide documentation showing a reasonable reinvestigation, violating FDCPA 809 ( b ) and FCRA 1681i ( a ). The law requires that the account be verified with actual documentation, not just marked as verified with no supporting evidence.

Re-Aging Concerns The furnisher appears to be re-aging the debt by updating the balance and payment activity each month without proper justification. If the Date of First Delinquency ( DOFD ) remains the same, but updates continue, this violates FCRA 1681c ( a ) ( 4 ), which limits the time derogatory accounts may appear on a consumer 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 2025-06-23 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: LA

Complaint narrative:
The listed accounts are inaccurate and were opened without my knowledge or consent. I have never engaged with these creditors, and these entries must be removed immediately. I am requesting deletion under 15 U.S. Code 1681g within 15 days. Documentation is attached for your review.

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 2025-06-23 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: SC

Complaint narrative:
Here is the letter I just mailed to Nelnet : XX/XX/year> XXXX : ClaimsXXXX XXXXXXXX XXXX, XXXX XXXX Subject : Formal Complaint Regarding XXXX  Application Status ACCOUNT NUMBER : XXXX Dear Nelnet Customer Service , I am writing to formally express my dissatisfaction with the handling of my XXXX XXXX XXXX XXXXXXXX ( XXXX  ) application, which was verified by the Department of XXXX XXXX XXXX XX/XX/year>. Despite receiving confirmation of my XXXX  status, it has now been six months, and my student loans have yet to be discharged. 
I submitted my XXXX  application in good faith and complied with all necessary procedures as outlined by Nelnet and the Department of Veterans Affairs. The verification I received clearly indicated that I met the eligibility requirements for a discharge of my federal student loans due to my XXXX XXXX. 
However, since that time, I have encountered numerous delays and a lack of communication regarding the status of my application. I have reached out multiple times to inquire about the progress, but I have not received satisfactory responses or any indication of when my loans will be discharged.

This situation has caused me significant stress and financial hardship as I continue to receive notices regarding my loan payments, despite being eligible for discharge due to my verified XXXX. It is disheartening to feel that my situation is not being handled with the urgency and seriousness it deserves. 
I urge you to review my XXXX  application and take immediate action to discharge my student loans as per the agreement. I request a clear timeline for when I can expect this matter to be resolved, and I would appreciate regular updates moving forward. 
Thank you for your attention to this matter. I hope to hear back from you soon. 
Regards, XXXX XXXX XXXX : 09 pages CC : CFPB ( Consumer Financial Protection Bureau ) ; US Department of Education ; Department of Veterans Affairs P.S. Would you please stop sending me bills? According to your own website and the Department of Education, once XXXX  has been started- which Nelnet and the VA did in XX/XX/year>, no more billing was to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. The details in question are incorrect and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into these errors and prompt correction or deletion.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. The details in question are incorrect and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into these errors and prompt correction or deletion.

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 2025-06-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  GA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and undocumented information currently reported on my credit file. I assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand that you conduct a full, factual investigation, as required under FCRA 1681i, using original source documentation, not form responses or automated templates.

The following personal information is being challenged due to inaccuracies : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Incorrect Employer : XXXX XXXX Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX The following accounts are being challenged for lack of factual proof of ownership, reporting accuracy, and Metro 2 compliance : XXXXXXXX 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  The following inquiries are being challenged due to lack of permissible purpose as required under FCRA 1681b : 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 I demand full physical documentation bearing my original wet signature ( or properly authenticated electronic signature ) for each account and inquiry listed above to verify authorization and validity of reporting. Failure to produce verifiable documentation constitutes a willful violation of FCRA 1681b ( permissible purpose ), 1681i ( reinvestigation requirements ), 1681s-2 ( duties of furnishers ), and Metro 2 Data Reporting Standards. 

You are also reminded that using standardized form letters or automated responses violates my rights under FCRA 1681i, which requires an individualized investigation. A failure to comply will be documented as willful non-compliance under FCRA 1681n and 1681o, exposing your organization to potential legal and financial liability.

If you can not provide full verification within the mandated timeframe, you must DELETE all disputed information and provide me with an updated credit report reflecting the corrections. 

Failure to comply may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-23 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: TN

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or around XX/XX/year>, I submitted a formal dispute to XXXX XXXX XXXX requesting full validation of a reported {$200.00} collection account allegedly tied to XXXX XXXX ( XXXX  ). I specifically requested documentation proving the validity of the debt, a signed contract bearing my name, and evidence that my financial and personal information was shared with proper consent. 

On XX/XX/year>, XXXX responded via the CFPB stating that they ceased collection activity but failed to provide any of the documentation I legally requested. They also stated no prior validation request was on filedespite this dispute. 

To date, I have received no debt validation, no proof of consent to report the information, and no legal documentation authorizing them to furnish this data to credit bureaus. Under FDCPA 1692g ( b ) and FCRA 1681i, if no proof can be provided, the debt must be removed. They are in violation of : 15 USC 6801 ( GLBA ) failure to protect my personal financial data 18 USC 1028A unauthorized use of identity FCRA 1681s-2 furnishing inaccurate or unauthorized information I am requesting this account be deleted from all credit reporting agencies immediately. Ceasing collection is not enough when they never had legal standing to report the debt in the first place.

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