vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-14 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: NJ

Complaint narrative:
Im writing because Im beyond frustrated at this point. I disputed the XXXX ( XXXX.... ) account months ago, and it was removed from my credit report, just like it shouldve been. In fact, I have the XXXX report from Experian showing that the account was no longer listed under Potentially Negative Items. So why was it suddenly reinserted a month later without a single word from Experian? Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if an account is deleted due to a dispute, it cant be reinserted unless the furnisher certifies that the info is accurate and Experian notifies the consumer in writing within XXXX business days. Experian did neither. I received no notice, no certification, and no explanation. Ive disputed this account multiple times already and made it clear I did not authorize its reporting. Experian still continues to report it. Since Ive submitted an FTC Identity Theft Report and supporting documentation, the continued reporting of this account now falls under identity theft. Under 15 U.S.C. 1681c-2, Experian is required to block all fraudulent information. Their failure to do so is a direct violation of federal law. Thats not just a technicalityits a direct legal violation. Experian also failed to include the name, address, or phone number of the furnisher, or inform me of my right to submit a consumer statement, as required under 15 USC 1681i ( 5 ) ( B ) ( iii ). This isnt the first time this has happened, and honestly, it feels like Experian is ignoring the law and my rights as a consumer. Re-reporting this account without following proper procedures shows clear noncompliance, and at this point, it looks willful. That means Experian could be held liable under 15 U.S.C. 1681n and 1681o for negligent and willful violations, which carry financial penalties of up to {$1000.00} per violation. Im demanding the immediate and permanent deletion of this account. Not another temporary fix. Not another reinsertion a month from now. This needs to stop. If this issue isnt fully resolved, I will consider legal action if needed. Ive been more than patient, but Experian has left me no choice.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase reversed a {$23000.00} credit card payment despite receiving full documentation and confirmation Details of the issue : On XX/XX/year>, I initiated a {$23000.00} payment to my Chase Freedom credit card from my external bank account. The payment was successfully debited on XX/XX/year>. 

Chase initially credited the {$23000.00} to my account, then later reversed the payment, claiming they only received {$23.00}. I have provided full documentation proving that the correct amount was sent and received by Chase. 

Despite their initial acknowledgment and credit of the full amount, Chase reversed it again, even after I complied with all documentation requests multiple times. 

Timeline of Events : XX/XX/year> I submitted a {$23000.00} payment to my Chase Freedom credit card. 
XX/XX/year> The {$23000.00} was successfully debited from my external account. 
XX/XX/year> Chase requested a full bank statement showing the transaction. 
XX/XX/year> I faxed proof of payment as requested, and received confirmation that the fax was delivered successfully. 
XX/XX/year> Chase again requested a full statement ; I resent the complete XXXX PDF via Chases secure message portal. 
Chase acknowledged receiving the documents, initially applied the credit, and later reversed it without a clear or valid explanation. 

I have all documentation to support this timeline, including : Bank statements clearly showing the {$23000.00} payment Confirmation of the fax submission Screenshots of my secure message portal correspondence with Chase Impact : I am now being held responsible for a {$23000.00} charge that I already paid. I have done everything asked of me and have submitted every piece of documentation multiple times. 

This issue is causing extreme financial and emotional stress, and I am concerned it could impact my credit if not corrected. Chase has not provided a sufficient explanation for the reversal, and I no longer trust them to handle this in good faith without regulatory assistance. 

Attachments Im including : Full XXXX bank statement showing {$23000.00} debit ( highlighted ) Proof of fax submission and copy of FAX ( XX/XX/XXXX ) Screenshots of Chase secure messages Timeline summary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail

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 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I had a collections with Radius Global Solutions. I paid the collection off on XX/XX/XXXX and asked about getting the collection removed from my credit report as I am trying to buy a house. The representative stated that I would need to dispute with the credit bureaus to have the account deleted. I was also advised by a credit XXXX who works for the lending agency we plan on using to purchase our home through to pay this collection and begin whatever steps needed to delete from my report to boost credit scores to required score. I submitted disputes on XX/XX/XXXX to have the collection account removed since it had been paid to the XXXX major credit bureaus and XXXX  is the only bureau that did as I requested and it boosted my score well above the required score to get a home loan. XXXX  and XXXX  denied my disputes stating the accounts were accurate and did not delete the accounts as requested. Upon contacting XXXX  on XX/XX/XXXX and asking why they would not delete like XXXX  did the agent stated that I could ask the collection agency to provide a deletion/ removal request. I contacted Radius global solutions on XX/XX/XXXX and was told by an agent that they do not do deletions. She then suggested I should reach out to the credit bureaus ask what I would need to do, I stated XXXX  told me to get a letter from radius global solutions requesting a deletion/ removal of the account from my credit. The agent then stated well we dont do deletions and that there was nothing she could do to help me.

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 2025-05-14 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: IL

Complaint narrative:
My personal information has been exposed in a XXXX XXXX XXXX. Subsequently while reviewing my report, I'm unfamiliar with several accounts. I have asked the XXXX XXXX XXXX for validation of debt although the information has not been provided. 

I have attached the following documents below due to XXXX XXXX exposure and submitted an FTC complaint in regards to reporting the information. 

* DATA BREACH DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX VALADATION LETTER * FTC 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$630.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$350.00} Open Date XX/XX/XXXX Inquiries : XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-14 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'm in disagreement with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX & XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, please provide the names and business addresses of each individual with whom you verified the above so i may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-05-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
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 2025-05-14 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: VA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has publicly alleged that credit bureaus have failed to properly investigate consumer disputes, despite the significant role credit reports play in financial decisions like loan approvals, housing applications, and employment opportunities. Given the serious impact of these inaccuracies, I expect a thorough and timely investigation. 

In accordance with the FCRA, I request that these fraudulent items be deleted from my credit report. Please complete your investigation within the mandated XXXX period and provide written confirmation of the outcome. 

Confirmation of complaints filed with the Internet Crime Complaint Center ( XXXX ) : XXXX Confirmation Numbers : XXXX, XXXX, XXXX Reports filed with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office If the investigation does not resolve the dispute, I intend to pursue further action by submitting formal complaints to the CFPB, FTC, and the State Attorney Generals Office to ensure my rights are fully enforced. 

Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
First they Experian, tried to take XXXX for a membership fee that I do not have, I've started cancelling my core membership yesterday, today, no one helps, so they still took my money even though I cancelled. Everytime I call I'm hung up on, told to go to my app, then having difficulty processing call back, I'm so mad, I want my refund and I want to close my Experian account. I do not want it at all.

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 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My federal student loan was transferred to Nelnet without my full knowledge, and they have reported the account to credit bureaus despite having inaccurate contact information for me and failing to communicate in a reasonable manner. 

I was never properly notified of this transfer, and for years Nelnet did not attempt to reach me using current, accurate contact information. They have my old email address, old phone number, and old physical address on file. As a result, I received no communications about payments, updates, or delinquencies until I discovered negative entries on my credit report.

I believe Nelnet may have outdated or incorrect loan balance information, and potentially have me confused with another borrower. The amount they show does not match my understanding of what I owe, and I was never given a chance to verify this. 

I am also questioning the legitimacy of these owed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I PPLIED FOR THE INCOME DRIVEN PLAN WITH MOHELA, TO HELP LOWER MY MONTHLY PAYMENT THAT WAS SUPPOSED TO START IN XXXX THEN LAST WEEK THEY SAID IT IS DUE XX/XX/XXXX! 

I HAVE CALLED MULTIPLE TIMES AND NOONE SEEMS TOBE ABLE TO TELL ME THE STATUS OR CONNECT ME WITH AN AGENT THAT CAN HELP. i HAVE BEEN TOLD TO CALL THE XXXX XXXX XXXX XXXXUT, THAT NUMBER ROUTES ME BACK TO MOHELA. 

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AL

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the Experian, Equifax and the Trans Union credit reporting agencies , 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. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. XXXX  XXXX XXXX account number XXXX and a second XXXX  XXXX XXXX  account number XXXX. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2025-05-14 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: AL

Complaint narrative:
This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the Experian, Equifax and the Trans Union credit reporting agencies , 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. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. XXXX  XXXX XXXX account number XXXX and a second XXXX  XXXX XXXX  account number XXXX. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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