vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: LIVE OAK BANCSHARES, INC.
State: CA

Complaint narrative:
Reviewing the phone conversation with " XXXX '', the Live Oak Bank representative on recorded line on XX/XX/year>, I noticed she stated several times the bank wants me to keep the funds in my savings account and not to move it at all, a statement I have a proof of. This is a savings account, not a CD, and I am perfectly permitted by law and agreement with the bank to make transfers in and out as long as I comply with the limits- and she stated at the same time there are no limits on the number of transfers. Which is an absolute meaningless contradiction and an attempt to restrict my account one sided, not allowing me to use some features included to the bank advantage. Another feature included is an ability to cancel a scheduled transfer, which I am perfectly allowed to use if I make a transfer mistake - but she mentioned several times my use of this feature during this conversation. In short, Live Oak Bank appears to attempt to restrict me using the perfectly allowed features of a savings account without restricting themselves to the CD status ( like lowering interest rates, which they do ), and penalizing me for using the allowed features, even so I had done it perfectly within the allowed ranges. 
This is exactly what was mentioned during the conversation on recorded line legal evidence of which I have and which lead to the restriction access to my funds and threats to close the account and not to pay the promotion I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Attached are all the fraudulent checks that accessed the account. They are not signed and I never authorized them. Someone hacked my chase checking account and stole the account and routing number and issued these checks. We contacted the bank, asking how this was possible and they only refunded up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
I am writing to dispute the following accounts reported on my Equifax credit report. These accounts are inaccurate and I request a review and correction as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$3300.00} XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$16000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$25000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently refinance my house and I had to pay off this debt. So I contacted the collection company and settled with them for a less amount. So I enclosed the check that I received to pay for it and also enclose the letter with the settled amount. I received an email that they took the whole amount. So what is the letter for with the settlement amount. I thought if it was on paper it was a deal between them and I?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
Dear XXXX, I am writing to dispute the following accounts listed on my credit reports. These accounts are listed as charged off, and I believe there are discrepancies regarding their reporting. Below are the accounts I am disputing, separated by bureau. 

CHARGED OFF XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report relating to an account previously serviced by College Foundation , Inc . 

Creditor : XXXX XXXX I Account Type : Education Loan Account Status : Closed Closed Date : XX/XX/XXXX Reported Late Payments : XX/XX/XXXX days late showing XXXX Last Payment Reported : XX/XX/XXXX This account has been closed and transferred, and therefore should not continue affecting my credit report with late payment notations. Since the account is no longer active and is no longer in the creditors possession, the late payment reporting is inaccurate and misleading. 

I am requesting you to : 1. Conduct a reinvestigation into the accuracy of the late payment history 2. Verify with XXXX XXXX whether any delinquencies should still be reported after transfer/closure 3. Remove or correct the inaccurate late payment reporting under FCRA 602 and 611 These late payments are harming my credit score even though the account is no longer active and should not continue to be updated or reported in this manner. 

Please send me written confirmation of your findings and any corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TN

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
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 explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-27 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 am disputing the following charged-off accounts on my Experian credit report. These accounts may contain errors or be inaccurately reported. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries : The following inquiries on my Experian credit report are being disputed as they may not be authorized or are incorrectly listed. 

XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
So on XX/XX/XXXXXXXX XXXX XXXX XXXX yesterday last night someone logged into my chime bank account which I wasnt even aware of that this was going to happen and transferred my account to their account where I couldn't login to my account from my chime bank account that someone send and stole money off from my banking account by making transactions out of my checking account by paying {$99.00} for gas and {$84.00} gas and {$210.00} for gas that this person took XXXX XXXX out of my checking account on chime by sending themself my money to them and now I have XXXX XXXX  on my checking account and XXXX XXXX on my saving account that I'm broke and I also have proof and evidence of someone stealing from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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:
Please go through the provided materials ; the inquiries came in suddenly and might be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-27 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: TX

Complaint narrative:
Please check the documents provided ; the inquiries arrived unexpectedly and may not be approved.

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 2025-11-27 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: TX

Complaint narrative:
Please check this entry ; it could be both late and erroneous.

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 2025-11-27 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:
TransUnion is currently reporting a credit card account issued by XXXX XXXX XXXX XXXX XXXX in XXXX ) as past due and delinquent. This account was sold to another lender, and XXXX no longer owns it. By law, XXXX no longer has the right to report this debt, yet TransUnion continues to display it as an open, delinquent account on my credit report. 

I sent a TILA 1641 ( f ) ( 2 ) letter to XXXX on XX/XX/year>, requesting the identity of the current owner/assignee, with a XXXX response deadline. The letter was delivered on XX/XX/year>. XXXX has not provided the required ownership information. 

Despite this, TransUnion continues to report the account incorrectly. The reporting is inaccurate, and I am requesting that TransUnion correct or remove this account from my credit report. Screenshots of the credit report and correspondence with XXXX showing the account sale are attached for reference.

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 2025-11-27 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet , Inc . 
Attn : Disputes / Bankruptcy & Recovery Department XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Formal Dispute of the Validity of Certain Student Loans/ Partial Bankruptcy XXXX Acct # XXXX To Whom It May Concern, I am writing to formally dispute the validity and enforceability of certain federal and/or private student loans currently being reported under my name.

A portion of my student loan debt was included and discharged in a prior bankruptcy proceeding. However, other student loan accounts from the same period, for the same educational program, and under similar circumstances, were not discharged and continue to report as active, delinquent, or in default on my credit report.

This inconsistent treatment raises serious concerns regarding the accuracy, classification, and legality of the remaining loans, including but not limited to the following issues : Whether the remaining loans were properly classified as qualified education loans under federal regulations Whether all loans were correctly included in the creditor matrix during bankruptcy Whether certain debts were mischaracterized as educational loans when they were in fact institutional charges or consumer-related debt Whether the proper notification and due process were provided to all involved parties Whether inaccurate, incomplete, or misleading information is being funished to consumer reporting agencies I am requesting a full investigation and written explanation regarding : Why some loans were recognized in the bankruptcy and others were not Proof that each remaining loan meets the criteria of a qualified, non-dischargeable federal student loan Copies of the original promissory notes and full payment histories for each loan The chain of title / ownership for each loan The dates each loan was disbursed and for what specific educational purpose Records of any consolidation, assignment, forgiveness, or transfer activity The current legal status of each loan in relation to the bankruptcy filing Until this review is completed, I formally request the following : Immediate suspension of collection activity Temporary removal of negative reporting to all credit bureaus Written response acknowledging receipt of this dispute Please treat this correspondence as a formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and all applicable federal consumer protection laws.

Failure to appropriately investigate and correct any inaccurate reporting may constitute a violation of federal law.

I am requesting that all communication regarding this matter be in writing. 

Sincerely, XXXX XXXX Account info Account name DEPT OF EDUCATION/NELNET Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Discharged through XXXX XXXX XXXXNever late. 
Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttorney General'

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