vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am filing a complaint because TransUnion, Experian, and Equifax are reporting an account from XXXX XXXX XXXX ( child support ) that contains multiple factual inaccuracies, and the furnisher has not corrected them. 

The account is paid, closed, and has had no activity since XX/XX/XXXX, yet the credit bureaus are reporting the account as : Open Account Payment Status : Current Two-year payment history extending into XXXX Last Reported date of XX/XX/XXXX Active monthly performance despite {$0.00} balance and closed comments These items can not be true and directly violate : FCRA 602 ( A ) ( right to accurate reporting ) FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) ( must correct/delete inaccurate information ) FCRA 611 ( a ) ( 5 ) ( delete if unverifiable ) FCRA 623 ( a ) ( 1 ) ( prohibits reporting information known to be inaccurate ) Because the account is paid and closed, the furnisher can not legally verify ongoing monthly updates, future dates, open-account status, or current payment status.

I am requesting an investigation into the data being furnished and the CRAs failure to correct the errors. The information being reported is objectively impossible and does not match the agencys own data.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
Tenaglia & Hunt represents XXXX XXXX XXXX.The law firm, nor XXXX XXXX XXXX, sent me a validation notice regarding the debt.XXXX XXXX is my debt relief company.Since XX/XX/year>, XXXX XXXX was aware that the debt acquired with XXXX XXXX XXXXXXXX was sent to a law firm.I never received a validation notice from XXXX XXXX  XXXX ; only the statements.They are not validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few months ago, I opened a fraudulent link sent to my email, allowing unauthorized individuals to access my personal information, including data on my phone. Since then, new accounts have appeared on my credit report that I did not request. I have been trying for weeks to resolve this with TransUnion, but every time I call, they tell me to resend my documents, and they never seem to have them. Despite repeated attempts, I still havent received real assistance, which has only increased my frustration. 

XXXX XXXX XXXX-revolving- XX/XX/XXXX XXXX XXXXDate opened XX/XX/XXXX XXXX Original creditor : XXXX XXXX  XXXX revolving-Date opened 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 non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
Cease and dessist. Reporting wrongful 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 2025-11-15 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: TX

Complaint narrative:
THIS ACCOUNT IS FRAUDULENT AND WAS NEVER AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan is currently in administrative forbearance. No payments are due and no interest should be accruing. Despite this, the servicer reported an increased balance, which immediately caused a significant drop to my credit score. When I contacted the servicer, they stated they take no responsibility and refused to correct the reporting.

This balance increase is inaccurate, misleading, and violates the Fair Credit Reporting Act because the account should not show any balance growth during forbearance. I am requesting the CFPB to require the servicer to correct the reporting or provide documentation explaining why the balance was increased.

Please investigate and have the servicer fix or remove the inaccurate credit reporting.

I would also like to add that the original loan was fraudulent in itself. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX before telling them that I would not be able to continue instead of canceling my XXXX. They put it on a freeze and later went bankrupt. Next thing I know I owe XXXX  and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute multiple unauthorized accounts that appear on my Experian, Equifax, and Transunion credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification I have identified the following accounts and on my credit report that I did not authorize or provide written consent for. 

Accounts : XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

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 2025-11-15 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear credit reporting agencies, I am formally requesting that you dispute all collections and forward this letter to all dept collectors or companies. That I request a cease and desist of all communication with me, whether by phone, mail, email, or otherwise, regarding any alleged debt they claim I owe.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer requests in writing that a debt collector stop contacting them, the collector must cease all communication except to notify the consumer that collection efforts are being terminated or that specific legal action may be taken.

This letter is not an acknowledgment or validation of the alleged debt. I am simply exercising my legal right to stop all further contact. If you fail to comply with this notice, I will report your agency to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Please provide written confirmation that you have received this letter and the agencies claiming I owe the debt that no further contact will be made.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I requested to close my Frost Bank checking account .. my account is locked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: DC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX XXXX. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I visited XXXX XXXX XXXXXXXX to purchase an SUV. I was initially told I was approved for a {$28000.00} loan on a XXXX  XXXX XXXX. The salesperson advised me to get a co-signer with a higher credit score. They ran my mothers credit and said she did not qualify me for any other vehicles. 

I asked if the XXXX was the only vehicle I could get with {$0.00} down and was told yes. I was sent off the lot without completing all paperwork and pressured to sign an insurance form, even though I was told I could go a few days without insurance. 

I requested to swap vehicles because I felt uncomfortable with the deal. Later, I was told I could qualify for {$0.00} down on other cars if my sister became a co-signer. After multiple credit checks, they switched me to a different vehicle than the one I originally wanted. When I asked about a different car ( an {$18000.00} XXXX ), I was told I would have to make a down payment. When I asked if the dealership could check other lots for vehicles, the XXXX said they could, but refused, calling it XXXX. When I tried to step out of the deal entirely, the dealership also refused. 

During the final paperwork, the XXXX presented a XXXX at a higher price than listed on the website ( {$24000.00} vs. {$20000.00} ) and insisted I purchase a service agreement or pay a large down payment. I did not want the service agreement, which was supposed to be optional, but felt pressured. 

I was hesitant to sign the final contract and did not take delivery of the vehicle I was approved for due to safety concerns. I was given a loaner ( the XXXX ) and told to sign paperwork online by midnight, with repeated pressure from my sales representative. 

I am very unclear about : The actual financing terms What vehicle I am being approved for or sold Whether the dealership is acting honestly The situation feels misleading and potentially predatory. I am requesting assistance to understand if the financing is legitimate and whether I should proceed with this deal.

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 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/year> I closed my high yield savings account with XXXX XXXX and requested a transfer of the remaining balance to an account with another bank. I linked the account following the instructions of the bank institution and was sent a confirmation email that stated I would receive the funds in my account in 1-3 business days.

I checked multiple times throughout the week to verify if the transfer had been completed and it had not. I called customer service on XX/XX/year> and was told that the transfer had been held due to suspected fraudulent activity. I was not notified by via email or cell that the transfer had been held. The bank did not offer an immediate resolution. They did not make my funds available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
Complaint Against : Experian Issue : Inaccurate credit reporting, failure to conduct reasonable reinvestigation, re-aging of closed charged-off accounts, contradictory account status reporting.

I am submitting this complaint because Experian is reporting two XXXX  accounts ( Account XXXX : XXXX and XXXX ) with inaccurate, contradictory, and impossible data, and Experian has failed to conduct a reasonable reinvestigation. 

Both accounts show the following incorrect and conflicting information simultaneously : Paid Off Charged Off A balance still owed A past-due amount reported as of XX/XX/XXXX Balance updated in XXXX even though the accounts were closed and charged-off in XXXX Last payment dates in XXXX, but Experian continues to report XXXX delinquency each month Status updated as of XX/XX/XXXX, despite being closed for years These contradictions violate FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and FCRA 1681i ( failure to conduct a reasonable reinvestigation ). They also violate Metro 2 guidelines regarding re-aging of charged-off accounts.

Additionally : TransUnion and XXXX  do NOT report either Affirm account at all. 
This strongly suggests that the furnisher did not verify the accounts as Experian claims. 

Experian notified me that these accounts were verified, but that is not possible given the contradictory data and the absence of these accounts from the other XXXX credit bureaus. 

I am requesting the CFPB to compel Experian to : XXXX. Provide documentation of what was actually verified, XXXX. Correct all reporting errors immediately, XXXX XXXX. Delete both Affirm accounts entirely if they can not be verified with accurate and consistent data. 

Please see the attached screenshots documenting the contradictory status combinations. 

Thank you.

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 2025-11-15 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. On XX/XX/year> it was paid on time but saying 30 days late for XX/XX/year>. On one report it is reported as paid on time for XX/XX/year> and 90 days late for XX/XX/year>. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XX/XX/year>. Im now requesting you investigate this account and update these payments to Paid on time/Never late immediately. Thank you for your understanding and prompt action.

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