vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MO

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Equifax challenging several unauthorized hard inquiries and provided full proof of identity, including a copy of my XXXX passport and a current bank statement showing my name and address. 

Equifax then sent me XXXX contradictory letters : XXXX dated XX/XX/year>, stating that a reinvestigation had been completed and that the inquiries would remain ; and another dated XX/XX/year>, claiming that I had not provided proof of identity and that the dispute could not be processed. Both statements can not be true. 

Equifax also failed to provide any documentation from the lenders showing that I personally authorized the credit inquiries or that a permissible purpose existed under 15 U.S.C. 1681b. The investigation was unreasonable and failed to correct inaccurate or unverifiable information, in violation of 15 U.S.C. 1681i ( a ) and 1681e ( b ).

Additionally, It appears that Equifax refused to accept my bank statement as proof of address even though it meets the FCRAs standard for reasonable identification under 1681h ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
After adding a new email address to my online banking profile, Chase Bank removed all emails and the phone number from my XXXX profile and locked my access to XXXX. After speaking with them, they reenabled XXXX itself, but I can not add any of my emails or my phone number to Chase 's XXXX or XXXX at any other bank since, due to a restriction on all of my emails and my phone number. 

I spoke with Chase XXXX times at least, and also with XXXX and XXXX  XXXX times, as Chase initially blamed XXXX. XXXX repeatedly informed me that this was Chase 's doing and they have the means to lift the restriction, but Chase can not help. Even Chase 's XXXX office has been unwilling to help or provide any insight into why this has happened. 

I need XXXX for certain payments I make to people, and there has been XXXX fraud or anything else committed or attempted with it. Chase Bank needs to unrestrict my profile or provide factual evidence as to why it's blocked, but is not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
This telecommunication company has given my information to a third party company in which I did not approve and give consent to this company to do so. The third party continues to call and email me consistently. Threatens to garnish my wages and create problems financially for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully request that the following items be reviewed and corrected to ensure accuracy in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Early Warning Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by XXXX XXXX XXXX XXXX included in the file Disclosure Early warning maintains under my Social Security number. Upon ordering a copy of the report, I found several entries from this bank XXXX XXXX XXXX XXXX XXXX XXXX listing as Closed for cause-purged, and Savings Dormant/inactive in XX/XX/XXXXXXXX XXXX XXXX 
I am unaware of ever having a checking or savings Account from this XXXX XXXX XXXX XXXX. Also Several inquiries I did not acquire XX/XX/XXXXXXXX XXXX XXXX XXXX Furthermore, Bank Account Routing XXXX XXXX and Account Number XXXX XXXXXXXX I dont recognized I dont have an account receiving ACH Transactions dating XX/XX/XXXX until XX/XX/XXXX. 
Please validate this information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and provide me with copies of any documentation associated with these Accounts bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$10000.00} in damages for the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX different occasions, Chase bank has incorrectly identified my account number on someone else 's checks that did not contain my account number. The amount always exceeds {$800.00} and is deducted from my personal checking account as a " pending '' transaction. The pending transaction eventually will not post, but my funds are being held for several days while its pending. After speaking with Chase XXXX department, they identified my account and routing number have not been compromised, but rather an internal error where my checking account number is being used and NOT the actual checking account number on the person who wrote the check. They called it a system error. Even after we identified the system error, there is NOTHING they can do to prevent this from happening again. I will just have to accept they " occasionally '' use my checking account/routing number incorrectly, hold my funds while someone elses check is pending, and then pretend it never happened after they realized they made an error. This often can take days to clear up and I spend many hours stressing about {$800.00}. Thats a lot of money for them to hold while they sort out their system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Im disputing inaccurate and unverified info on my credit reports. XXXX Bank and XXXX  show inconsistent dates opened/closed, and XXXX Bank is reported as a Profit and Loss Write-Off with no proof or validation. Under FCRA 607 ( b ), 611, and 1681s-2 ( b ), I request full validation, including ownership, any 1099-C form, and securitization details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I respectfully request that the following items be reviewed and corrected to ensure accuracy in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit 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 2025-11-03 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:
Re : Reinvestigation and removal of disputed items ; unauthorized inquiries Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ), I request a full reinvestigation of the items listed below and removal of any item that can not be verified or is inaccurate. I also request removal of unauthorized inquiries listed below. 

Accounts in dispute : XXXX ) XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX XXXX Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX XXXX ) XXXX / XXXX Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Why I dispute : Items are inaccurate, unverifiable, or should be reported only as closed/paid. Inquiries were not authorized or are improper. 

Requested actions : Complete reinvestigation within 30 days ( 45 days where applicable ) and correct/remove items as appropriate per 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ).

Provide reinvestigation results and furnishers contact information.

Provide updated credit report reflecting removals or corrections. 

Documentation : Enclosed : copies of government-issued ID and proof of address. 

Additional Protections ( FDCPA reference ) Additionally, under 15 U.S.C. 1692k of the FDCPA, debt collectors who engage in unlawful practices may be liable for civil damages, attorneys fees, and costs. This notice is provided without waiving any rights under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-03 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: IL

Complaint narrative:
I am writing this complaint with absolute certainty and growing frustration. There are multiple errors on my credit report that I can no longer overlook, as they have been severely affecting my credit score and overall financial well-being. These inaccuracies have made it difficult for me to achieve financial stability and peace of mind, and I am deeply concerned about how such incorrect information continues to appear under my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MS

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 


CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. 


Charged-Off Accounts XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are listed as charged off with {$0.00} balances, which appear inconsistent or unverifiable. I request TransUnion to provide full documentation from the furnishers validating these accounts and their status. If proof can not be provided, these entries should be removed. 


Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported with late payments that I believe are inaccurate. I request TransUnion to verify these directly with the creditors and provide proof of accuracy. If validation can not be completed, I request these late payments be deleted or corrected. 


No unauthorized inquiries are being disputed with TransUnion at this time. 

Closing Statement I am requesting a full reinvestigation from each credit bureau listed above in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure that only accurate, complete, and verifiable information is being reported on my credit file. If the furnishers can not provide proper validation within the allowed time frame, I request the disputed items be permanently deleted from my credit report. 

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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 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Called today & told them, I was XXXX, didn't have an address. She told me that there's nothing they can do as far as with a forbearance or anything else unless I verify my account and add an address. I explained to her again, I was homeless, I don't have family or an addresses. All of a sudden, she put me on hold, a XXXX XXXX  got on the phone with me out of nowhere, didn't resolve my issue or anything. I even asked about the interest accuring on my account and he told me, the interest accuring every single day! Neither XXXX of them assisted me with anything, rather cause more stress and trouble for me. I even asked the lady if I can speak with a supervisor and she told me there wasn't anyone else but all of a sudden put a XXXX XXXX  on the phone.

Company response to consumer: Closed with explanation