vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a follow-up complaint to ensure that ongoing inaccuracies on my credit report are corrected in a timely manner, as my initial disputes remain under CFPB review XXXX I am disputing the inaccurate late payment reporting for XXXX XXXX XXXX XXXX ( Account Number : XXXX ), dated XX/XX/XXXX, and XX/XX/XXXX, with a balance and past due amount of {$0.00}, as listed on my XXXX, Experian, and XXXX credit reports. This inaccurate reporting significantly misrepresents my payment history, as these accounts should not be reflected as late or past due, given their closed status and zero-dollar balance. 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer data, as outlined in 15 U.S.C. 1681i. This includes conducting a thorough and reasonable reinvestigation of disputed information within 30 days. If the disputed data can not be verified as accurate, it must be corrected or updated, not simply left to linger on my report as a misleading negative item. Additionally, for XXXXx, this obligation is reinforced by recent findings from the CFPB that exposed significant shortcomings in their dispute handling processes. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), XXXX  is specifically required to conduct comprehensive reinvestigations of disputed items, while 15 U.S.C. 1681 ( a ) ( 5 ) mandates the prompt correction or deletion of unverifiable or inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a follow-up complaint to ensure that ongoing inaccuracies on my credit report are corrected in a timely manner, as my initial disputes remain under CFPB review . I am disputing the inaccurate late payment reporting for XXXX XXXX XXXX XXXX ( Account Number : XXXX ), dated XX/XX/XXXX, and XX/XX/XXXX, with a balance and past due amount of {$0.00}, as listed on my XXXX XXXX and Equifax credit reports. This inaccurate reporting significantly misrepresents my payment history, as these accounts should not be reflected as late or past due, given their closed status and zero-dollar balance. 

Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy when reporting consumer data, as outlined in 15 U.S.C. 1681i. This includes conducting a thorough and reasonable reinvestigation of disputed information within 30 days. If the disputed data can not be verified as accurate, it must be corrected or updated, not simply left to linger on my report as a misleading negative item. Additionally, for Equifax, this obligation is reinforced by recent findings from the CFPB that exposed significant shortcomings in their dispute handling processes. Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is specifically required to conduct comprehensive reinvestigations of disputed items, while 15 U.S.C. 1681 ( a ) ( 5 ) mandates the prompt correction or deletion of unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a follow-up complaint to ensure that my personal information is accurately reported, as my initial disputes remain under CFPB review . I am disputing the inaccurate address entries currently listed on my Equifax credit report, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. These addresses are not current or accurate reflections of my residence history, and their continued presence on my credit report exposes me to potential identity verification issues and increased risk of fraudulent account openings, particularly in light of recent widespread data breaches affecting millions of consumers. 

Under the FCRA, credit bureaus are required to maintain accurate and up-to-date personal information on consumer files, as outlined in 15 U.S.C. 1681c, which mandates the accurate reporting of personal identifying information. In addition, 15 U.S.C. 1681i requires that credit bureaus conduct thorough and reasonable reinvestigations of disputed information within 30 days, correcting or deleting inaccurate or unverifiable information as necessary. The continued presence of outdated or incorrect address information on my report not only violates these legal obligations but also exposes me to potential identity theft and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX continue to report on my Equifax report with balances of {$1000.00} and {$3900.00}, even though XXXX was closed on XX/XX/year> and XXXX was closed on XX/XX/year>. I mailed certified validation letters for both and received no responses. I also submitted disputes with no documentation provided to verify the debts. XXXX was already removed from XXXX, proving inconsistent and inaccurate reporting. I request full deletion of both accounts unless legally validated per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Given that I had no part in opening these fraudulent accounts and was ignorant of their existence, I ask that they be deleted from my credit report. I request that they be deleted within 15 days in accordance with USC 1681g. Attached are supporting materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Revolut Technologies Inc.
State: MD

Complaint narrative:
MIssing /late direct deposit they keep blaming my job but my job has confirmed my pay processed without error 5 other co workers who has revolut like all are having the same problem they want you to do the work for them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-15 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the morning of XX/XX/XXXX I transferred funds via XXXX from my XXXX XXXX checking account to my Capital One checking account. I recieved confirmation from XXXX XXXX that the funds were transferred and I also recieved a notification from Capital One that the funds were recieved but would not be deposited for XXXX business days. I found this odd because the amount was fairly small and did not exceed any daily limits. Additionally, I had made similar transactions without a problem before. I called to get clarification from Capital One and was told the funds were being held because the Capital One security team was holding the funds. I naturally inquired why and was told they could not give me that information because the security department does not provide it to them. Again I asked how could they be seeing as they are part of the same company and was provided no answer or solution. I was told I just had to wait XXXX business days. Again, I am the register owner on both XXXX accounts, I made a similar transaction at least XXXX previous times, my account was not negative, and the amount was XXXX well below any limitations set by XXXX, XXXX XXXX, or Capital One. There has never been any fraudulent activity on my account so I believe this unacceptable not to provide a solution or details for why the XXXX department is holding up the transfer. I was given a case number by a XXXX who said it would go no further than them, and this case number would only be a record that I made a complaint. The case number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NM

Complaint narrative:
I am submitting this complaint because my credit report contains late payment entries that were inaccurately reported by Nelnet. These late payments occurred while I was actively enrolled in a formal repayment program ( New Mexico Higher Education Loan Repayment program ) and I made all required payments on time or authorized them through the servicers system. The late reporting appears to be due to the servicers delay or administrative error, not any failure on my part. 

I have disputed these entries with the credit reporting agencies ( XXXX XXXX XXXX XXXX ) and included documentation showing I was compliant with the repayment program and that the late payment was incorrectly attributed to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that these inaccurate entries be corrected or removed from my credit file. I am asking the CFPB to investigate this matter and ensure the furnisher and credit bureaus comply with their obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Triton Management Group, Inc
State: GA

Complaint narrative:
On XXXX XXXX A total of XXXX was added to my credit as collection I use to rent with Triton management when I first rented with them I was told that I will have to pay XXXX for my deposit within XXXX after move in I didnt live there over XXXX because the unit had bad maintenance problems I took pictures and went them to the landlord nothing was getting fixed so I moved out XXXX months of staying there I let her know that I would be leaving the unit I left her the key and she was telling me that I still have to pay the reminding balance like I explain to her why do I have to pay something if nothing getting fixed inside of my unit. My lease agreement stated month to month so I can move out whenever I pleased it wasnt a year lease. Im just confused on why was it still added on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-15 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I found a hard inquiry on my credit report from : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY dated XX/XX/year>. the inquiry was made through Equifax. I opened an account with Equifax with a premium membership in order to dispute this hard inquiry. 
I submitted XXXX disputes for the same inquiry, both times, the result was that the inquiry can not be removed from my report because it's a " factual record of file access and will remain on Equifax credit file XXXX years from the reported date of the inquiry '' I called XXXX XXXX  and i remained on the phone with different departments for hours with no result. every time they say that i need to give them the application number. which i responded that i do not have it, since i was not the person who made it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on my credit report related to my student loans serviced by XXXX and DEPT/ED/XXXX. 

Pursuant to 15 U.S. Code 1681s-2, payments made during the COVID-19 pandemic are required to be deferred or forgiven. As such, I request that you remove all late payment notations related to these accounts from my credit report.

Furthermore, under 15 U.S. Code 1681b, I assert my right to privacy regarding these late payments. I consider this information private and request that it be deleted from my credit report.

Additionally, 15 U.S. Code 1681a defines the scope of consumer reports. Any transactions between myself and the creditors should be excluded from my credit report. Therefore, I request that you exclude these late payments from my report. 

I request immediate investigation and correction of my credit report to reflect the accurate status of these accounts. Please provide me with written confirmation of the removal of these late payment notations within 30 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
TransUnion, Experian and Equifax have violated my consumer rights. Details of the Accounts in concern as well as the violations are addressed in an attachment to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Monday XX/XX/year>, I went to the Citibank branch located at XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX to withdraw money from my account. I went to another citibank branch in XXXX XXXX days ago and I used my NY ID which has a valid expiration date. At the Citibank XXXX XXXX, the teller completed my transaction without any issues ; however, at the XXXX XXXX XXXX location, the XXXX, XXXX XXXX, refused to complete my transaction because in his view my ID was expired. 

My ID is not expired and XXXX XXXX, hired by Citibank, also questioned my immigration status. He has no authority to do that. He needs to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Since I never opened these fraudulent accounts and was unaware of their existence, I demand that they be removed from my credit report. I'm asking them to be deleted within 15 days in accordance with USC 1681g. Relevant documents are enclosed as evidence.

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