vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. After reviewing my credit file in detail, I have identified errors in the reporting of late-open accounts that are inconsistent with my documented payment history and misrepresent my creditworthiness. These inaccuracies appear to violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require that all information maintained by a consumer reporting agency be complete, accurate, and verifiable.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
The debt collector failed to validate the debt under FDCPA 809 ( b ).

They did not provide any documentation, contract, proof of assignment, or itemized accounting. 
Despite failing to validate, they continue to furnish negative information and attempt to collect. 
This is a violation of FDCPA 807, 808, 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

I request full deletion of the unvalidated account and an investigation into their illegal furnishing and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I paid this account with XXXX XXXX  in full on XX/XX/year>. A total of over {$6000.00}. I have called, emailed multiple times about receiving a XXXX balance letter for this account, as part of a contingency for my mortgage. I have yet to receive any confirmation. Not even a receipt for the payment of over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Information that belongs to me is inaccurate Information is incomplete Credit reporting companys investigation was inadequate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Information that belongs to me is inaccurate Information is incomplete Credit reporting companys investigation was inadequate

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
Contacted the location multiple times for 3 years straight and I was not given the information that I was requesting the property manger and assistant manager told me to dispute it off of my credit due to them not being able to find the files because it was placed in a storage with old paperwork

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 2025-11-26 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
On XX/XX/2025 I deposited a check to my credit union, I was told it would clear by XX/XX/2025. I initiated ach transfers in an attempt to allow the ach process to overlap the process of the funds settling in order to have my funds deposited faster as I was attempting to place an investment position at an optimal time. The check ended up clearing on XX/XX/2025. I initiated an ach transfer to Robinhood before XXXX that day on the XXXX after the others were reversed. It is XX/XX/2025, I am missing an investment opportunity by 16 % or {$4700.00}. I complained to my bank who stated they initiated a wire, I complained to Robinhood to request the funds be released immediately as this is causing a financial loss due to my lost investment opportunity. I want my money in my account, it is currently generating interest, my bank told me that it is now up to Robinhood when to release them, Robinhood has told me its 3-5 business days, it is currently the XXXX business day and I am seething at the lost opportunity. I am also a gold member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX spoke with agent XXXX. I was denied reasoning why my account was closed, and was not given the option to provide proof of my identity. I asked for a supervisor, but agent stated I will be told the same thing. I also asked for my account balance. Agent told me to go on the web and read the chime user agreement.My son XXXX XXXX XXXX had his financial aid disbursement sent to chime and he never received it. I attached the email from an agent from chime that provided the tracking information for two deposits he never received. The School was contacted and they verified the funds went over to Chime and were never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 submitting this complaint against TransUnion, Equifax, and Experian for the continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports, the inaccurate address XXXX XXXX XXXX XXXX XXXX, TX XXXX, specifically regarding the late closed XXXX  account ( Acct : XXXXXXXX XXXX XXXX  ), which each bureau is reporting with a 90-day late payment even though the account reflects a {$0.00} balance, and the dates of last activity and delinquency do not align with my actual records, violating FCRA 623 ( a ) ( 5 ) for failure to report an accurate DOFD ; the XXXX  charge-off ( Acct XXXX XXXXXXXX XXXX XXXX XXXX is being reported by all three bureaus with a balance of {$4600.00} without any validation or documentation from the furnisher, violating FCRA 604 ( a ) ( 3 ) because no permissible-purpose verification or proof of the charge-off has been provided ; the collection accounts from XXXX ( Original Creditor : XXXX An Essential Utilities Co, Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX both of which I have never been notified of, billed for, or validated, yet all three bureaus continue to report them despite lack of verification, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) for failing to maintain maximum possible accuracy ; additionally, the three bureaus are reporting unauthorized hard inquiries including XXXX ( XX/XX/year> ) and XXXX XXXX XXXX XX/XX/year> ), XXXX XX/XX/year> that were not initiated or consented to by me, violating FCRA 604 ( a ) because these entities had no permissible purpose to access my file. These errors collectively constitute repeated violations of the Fair Credit Reporting Act, harm my creditworthiness, and continue to cause financial damage due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 submitting this complaint against TransUnion, Equifax, and Experian for the continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports, the inaccurate address XXXX XXXX XXXX XXXX XXXX, TX XXXX, specifically regarding the late closed XXXX  account ( Acct : XXXXXXXX XXXX XXXX  ), which each bureau is reporting with a 90-day late payment even though the account reflects a {$0.00} balance, and the dates of last activity and delinquency do not align with my actual records, violating FCRA 623 ( a ) ( 5 ) for failure to report an accurate DOFD ; the XXXX  charge-off ( Acct XXXX XXXXXXXX XXXX XXXX XXXX is being reported by all three bureaus with a balance of {$4600.00} without any validation or documentation from the furnisher, violating FCRA 604 ( a ) ( 3 ) because no permissible-purpose verification or proof of the charge-off has been provided ; the collection accounts from XXXX ( Original Creditor : XXXX An Essential Utilities Co, Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX both of which I have never been notified of, billed for, or validated, yet all three bureaus continue to report them despite lack of verification, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) for failing to maintain maximum possible accuracy ; additionally, the three bureaus are reporting unauthorized hard inquiries including XXXX ( XX/XX/year> ) and XXXX XXXX XXXX XX/XX/year> ), XXXX XX/XX/year> that were not initiated or consented to by me, violating FCRA 604 ( a ) because these entities had no permissible purpose to access my file. These errors collectively constitute repeated violations of the Fair Credit Reporting Act, harm my creditworthiness, and continue to cause financial damage due to inaccurate 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled my report again this morning and noticed that the account I reported is still reflecting on my report and this is against Consumer Reporting Act Already. I want this account permanently deleted on my report within 5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 filing this complaint against Experian for failing to remove multiple unauthorized hard inquiries that I formally disputed on XX/XX/year>. 
Despite clear evidence and multiple follow-up notices, Experian has not deleted the inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of which I authorized or initiated. 
Experian has also failed to provide the required documentation or proof of any permissible purpose as mandated under FCRA 1681b, nor have they completed a lawful reinvestigation under FCRA 1681i. Their continued inaction harms my credit profile and violates federal law, demonstrating negligence and non-compliance with their legal obligations. I am requesting CFPB intervention due to Experians refusal to correct these violations after multiple attempts.

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 2025-11-26 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: AR

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-11-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Account : Nelnet XXXX Subject : Formal Complaint Against Nelnet Servicing for Improper Forbearance, IDR/SAVE Misprocessing, and Harmful Interest Accrual Filed under FSA Ombudsman Authority , the Higher Education Act, FCRA, and FDCPA To the U.S. Department of Education / FSA Ombudsman Group , I am submitting this formal complaint regarding significant servicing errors on my federally held student loans by Nelnet Servicing , LLC . These errors directly violate federal servicing standards under the Higher Education Act, and they have caused financial harm consistent with issues raised across current litigation pertaining to Nelnets mishandling of IDR/SAVE plans. 
I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to dispute inaccurate, misleading, or harmful servicing practices and to request correction, verification, and investigation. 
1. Summary of Servicing Errors My entire account ( XXXX loan groups ) was placed into Administrative Forbearance without my request or authorization. I did not apply for forbearance, and no compliance notice was provided by Nelnet. 
Additionally : - My loans were placed on SAVE Alternative, not the actual SAVE plan. 
- Due dates were pushed to XXXX. 
- Interest increased : {$1900.00} unpaid and {$1.00} daily. 
- All loan groups show unrequested forbearance. 
2. Higher Education Act Violations Under 20 U.S.C. 1087e, servicers must accurately process IDR applications, avoid unauthorized forbearances, prevent borrower harm, and accurately represent repayment plan status. Nelnet failed to comply.

3. FCRA Dispute 15 U.S.C. 1681 I dispute any inaccurate reporting caused by improper forbearance or interest inflation. This is a formal FCRA dispute requiring investigation.

4. FDCPA Violations If Nelnet engages in debt collection behavior, I assert rights under 15 U.S.C. 1692e and 1692f prohibiting unfair or misleading practices.

5. Requested Department of Education Actions A. Investigate unauthorized forbearances, misprocessed SAVE plan, due date manipulations, and improper interest.

B. Remove or reverse all interest caused by servicer errors.

C. Place my account into the correct SAVE plan immediately.

D. Determine whether my account meets criteria for current litigation.

E. Require Nelnet to provide a complete written explanation.

F. Require a full FCRA-compliant reinvestigation.

6. Required Response I request a formal written response from both the Department of Education and Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting this follow-up regarding previously disputed items on my credit report that remain inaccurately, misleadingly, or unverifiably reported. Despite prior disputes, the following addresses and accounts continue to appear incorrectly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to ensure maximum possible accuracy and to correct any information that can not be verified. I am requesting a thorough reinvestigation of all disputed items and immediate correction or removal of any 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 2025-11-26 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 submitting this follow-up regarding previously disputed items on my credit report that remain inaccurately, misleadingly, or unverifiably reported. Despite prior disputes, the following addresses and accounts continue to appear incorrectly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to ensure maximum possible accuracy and to correct any information that can not be verified. I am requesting a thorough reinvestigation of all disputed items and immediate correction or removal of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief