vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: Central Research Inc
State: TX

Complaint narrative:
Central Research , Inc. ( CRI ) previously completed an investigation and removed the 90-day delinquency from my credit reports on XX/XX/XXXX. They updated the account to current, and it reported accurately for months. During this time, I made every payment on time, and there were no late payments, no past-due balance, and no negative activity of any kind. 

Despite this, CRI reinserted the same 90-day delinquency months later with XXXX notice, XXXX certification of accuracy, and XXXX documentation, which is a direct violation of the FCRA reinsertion rules under 611 ( a ) ( 5 ) ( B ). Reinsertion of deleted information requires the furnisher to certify accuracy to the bureaus AND notify the consumer within 5 business days. CRI did neither.

I mailed CRI a complete written dispute and evidence packet, which XXXX shows was delivered on XX/XX/XXXX. Under the FCRAs 30-day investigation requirement, CRI was required to conduct a reasonable investigation and respond by approximately XX/XX/XXXX. They did not respond at all. No investigation results. No verification. No explanation. No documentation. Nothing.

CRI is now actively furnishing disputed, unverified, and previously corrected information, which violates : FCRA 623 ( a ) ( 1 ) ( A ) duty to report accurate information FCRA 623 ( a ) ( 2 ) duty to correct previously furnished inaccurate information FCRA 611 ( a ) ( 5 ) unlawful reinsertion of previously deleted data CFPB Bulletin 2012-09 furnisher duties in investigations CRI has given contradictory reporting, reversed its own XXXX correction without justification, and missed the legal timeframe for investigation. I am requesting CFPB intervention because CRI is furnishing information they can not verify and failed to investigate within the timeframe required by law.

I am requesting that CFPB require CRI to either provide verified documentation supporting this delinquency or delete it entirely due to the failure to meet their legal obligations. CRI did not provide the required written results of any investigation after receiving my dispute. Their reporting is also inconsistent across all three credit bureaus, including missing 30-day and 60-day late marks during the months they now claim I was 90 days late, which further demonstrates inaccuracy. Their correction on XX/XX/XXXX proves the delinquency was not verified, and no new delinquency or missed payment occurred after that update. Despite receiving a full evidence packet with documentation, CRI conducted no investigation and provided no explanation. This improper reinsertion caused significant credit score damage and impacted my ability to secure housing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I, hereby declare that the following accounts reported on my credit file are inaccurate, incomplete, or unauthorized. I did not provide or give written consent for any entity to furnish or obtain my personal information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 own these accounts ; please remove them in the required 15-day period.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MO

Complaint narrative:
I have an account with XXXX  On XX/XX/year> I placed an order for the transfer of {$23000.00} from XXXX  to my bank account. I was informed that the money would be transferred by XX/XX/XXXX. Now, twelve weeks later, the transfer is still " pending ''. I have sent numerous emails to XXXX and have received nothing beyond automated responses. There is no contact telephone number for XXXX  published. I wrote a letter to XXXX two months ago, and received no response. I have pleaded with them in emails to either transfer the money or return it to my XXXX  account so that I can buy XXXX and transfer the XXXX out. Still, no response. This has caused me financial hardship. The money I ordered transferred was to be used to pay a debt. Since XXXX has seized my money, I was forced to transfer XXXX to anther exchange and sell it at a lower price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 completed a new Income Based application, updated a deferred and forbearance requests as I recently received full custody of my daughters. I provided a copy of the court order as I am pleading I can not afford to live and provide. I am trying to request a financial hardship as I am not receiving any help from their father nor from anyone help! I am barely keeping the lights on. I am doing my best! I am trying to keep am open communication but it just seems to be unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-17 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$95.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$550.00} UNAUTHORIZED COLLECTION Account Number : XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$250.00} Inquiries No inquiries listed for Equifax. 

Positive Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because Experian is reporting multiple accounts that are inaccurate, incomplete, inconsistent across bureaus, and unverifiable under the Fair Credit Reporting Act. I submitted a written dispute with full documentation but Experian responded with a generic " verified '' statement without conducting a proper reinvestigation or providing the legally required Method of Verification.

Experian is reporting a repossession and several charge-offs and derogatory accounts with missing information inconsistent dates, contradictory balances and conflicts with the data reported by Transunion and Equifax. These issues violate FCRA 602 and 607 ( b ) because Experian is required to ensure maximum possible accuracy. 

The repossession is especially problematic because Experian has not provided any proof of how it was verified. No Notice of Intent to Sell, Notice of Deficiency sale documentation, auction proof or itemized deficiency balance has been provided. Without these documents, the repossession can not be verified and is being reported inaccurately.

For the remaining disputed accounts, Experian has failed to provide the Method of Verification required under 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ). Experian has not disclosed the procedures used, the documentation reviewed, or the furnisher contact information.

I am alleging : -Failure to conduct a lawful reinvestigation -Failure to provide Method of Verification -Reporting inaccurate and incomplete information -Cross-bureau inconsistencies XXXX compliance violations -Continued reporting of unverifiable data -Use of automated e-OSCAR verificstion instead of reviewing my documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am filing a complaint against ChexSystems and XXXX XXXX XXXX for improperly reporting a XXXXXXXX XXXX account that contains fraudulent charges. I submitted disputes directly to both companies regarding these unauthorized activities, but neither has responded or provided the required investigation results within the time allowed by law. 

Both ChexSystems and XXXX XXXX XXXX continue to report this fraudulent account, causing harm to my banking and financial standing. Additionally, I believe they are violating the Fair Credit Reporting Act ( FCRA ) by improperly buying, selling, and trading my personal information for monetary gain without my consent. Their failure to conduct a reasonable investigation and their ongoing misuse of my consumer data are clear violations of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing this complaint because the repossession/charge-off accounts being reported by XXXX XXXX XXXX and Regional Acceptance Co are inaccurate , unverified, and legally unauthorized, and I am demanding immediate deletion from my credit reports. These accounts violate the FCRA, including 15 U.S.C. 1681, 1681e ( b ) for failing to use reasonable procedures, 1681i for failing to properly reinvestigate, and 1681s-2 ( b ) for failing to verify all information furnished. They also violate the FDCPA, including 15 U.S.C. 1692, 1692e, 1692f, 1692g, and 1662 because neither creditor provided proper validation or accurate documentation of the balance, deficiency amount, or repossession details. These accounts additionally violate the Truth in Lending Act, including 15 U.S.C. 1635, 1635 ( f ), 1635 ( b ), 1605, 1640, and 1644, due to incomplete, inaccurate, or unverified finance disclosures required during the credit transaction. The repossessions violate UCC 9-609 because both companies failed to prove the repossessions were lawful, peaceful, properly noticed, or conducted in a commercially reasonable manner. They also violate FTC Rule 433.1 ( Holder Rule ) because required consumer protections were not followed. If any portion of these debts were canceled, written off, forgiven, or discharged, IRS Form 1099-C should have been issued, and if a 1099-C applies, the accounts can not continue to be reported, collected, or shown with a balance. These accounts were also sold, assigned, or transferred to third parties, making XXXX and Regional unable to verify ownership, the balance, the repossession, or the accuracy of the tradeline as required under federal law. Because these furnishers failed to validate the debt, failed to prove lawful repossession, failed to provide required notices, failed to verify balances, failed to follow TILA, failed to meet FCRA standards, and violated FDCPA regulations, I am requesting CFPB enforcement and demanding permanent deletion of both accounts from my consumer reports.

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 2025-11-17 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: VA

Complaint narrative:
I am writing to formally dispute the following items on my credit reports provided by the three major credit bureaus : Equifax ( EQ ), Experian ( EX ), and TransUnion ( TU ). These items are listed as charged-off accounts and inquiries that I believe are inaccurate, incomplete, or incorrectly reported. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$220.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-11-17 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-17 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-17 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: IL

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry.

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 2025-11-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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: PA

Complaint narrative:
I am really distressed that these inaccurate accounts are still showing up on my credit report and nothing has been removed. I am asking with urgency that the documents I submitted be examined fully so I can finally stop feeling overwhelmed by this situation.

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 2025-11-17 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief