vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
i have XXXX closed loans with nelnet who have been paid in full. Loans were in deferment status due to covid then I was enrolled all year as a XXXX XXXX XXXX as I am currently. Explained this to representatives and provided proof but multiple late payments were added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to report all three credit bureaus TransUnion Experian Equifax they have all of my information incorrect plus all XXXX credit bureaus had a data breaches and I need you to fix this situation or I'm forced to file a lawsuit Thanks in advance

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This letter serves as a dispute of fraudulent accounts reported under my credit profile. I had no part in authorizing or opening these accounts, and their presence is false, harmful, and misleading. Such inaccuracies compromise my creditworthiness and directly impact my financial opportunities.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime in connection with their handling of a direct deposit to my account. The deposit in question originated from XXXX, a well-known and legitimate U.S. financial institution. I am clearly listed as a co-owner on that joint account, which makes this transfer entirely legitimate and within my rights. Despite this fact being readily identifiable to them, Chime subjected me to an excessive and intrusive set of demands, including requirements for explanations, notarized third-party letters, and government identification unrelated to my own Chime account.I am clearly listed as a co-owner on that joint account, which makes this transfer entirely legitimate and within my rights. 

Chime went further by explicitly threatening to restrict my access to my own funds if I did not comply. This is money that Chime did not earn, does not own, and has no rightful claim to withhold. Such an approach goes far beyond the reasonable obligations of a financial institution and instead conveys coercive, heavy-handed practices that are inappropriate for a customer relationship. 

The aggressive posture of their communication, coupled with the threat of losing access to my own money, has caused me significant concern and made me feel that my funds are not secure with Chime. This intrusion into my personal financial affairs has eroded my trust in their company. I have since directed my paychecks to another banking institution where I can expect a basic level of respect, security, and professionalism. 

I am requesting that the CFPB review Chimes practices in this matter, as I believe their actions demonstrate an abuse of their position as a XXXXXXXX XXXX XXXX XXXX  and a lack of regard for customer trust. I wish to bank with an institution that does not issue intimidating demands about my personal financial business when it involves a lawful transfer from a legitimate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-16 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I Did A Bank Transfer From My Other Bank Account Over To Navy Federal On XXXX XXXX. They Have Been Holding Money Since I Transferred The Money Over. Ive Submitted 7 To 8 Appeals Regarding This Matter And They Keep Denying It Saying Need New Documents. Ive Submitted Bank Statements, Letters, And Documents Stating That Everything Was Mines And They Still Have A Hold On My Money. Ive Already Lost Everything Due To This Matter. I Keep Calling And All They Say Is Submit Another Appeal Why Would I Keep Doing That When They KEEP Denying My Appeals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am filing this complaint because Early Warning Services , LLC has reported inaccurate and harmful information on my consumer report, preventing me from opening new bank accounts and affecting my financial stability. Despite submitting a formal dispute, they have not corrected or removed the following errors : XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXXXXXX Routing XXXX XXXX XXXXXXXX Issue : Reported as Checking Account Fraud with an Unpaid balance, even though the account shows {$0.00} at closure. This is inaccurate, misleading, and unverifiable, and Early Warning has failed to provide adequate documentation to substantiate this claim. XXXX XXXX Account XXXX XXXX XXXXXXXX Routing XXXX XXXX XXXX Issue : Reported as Closed For Cause Purged with contradictory balances : {$8600.00} ( XX/XX/XXXX ), {$1100.00} ( XX/XX/XXXX ), later reduced to {$0.00}. These inconsistent and unverifiable reports misrepresent my financial history and fail to meet FCRA accuracy requirements.These accounts are either inaccurately reported or unverifiable, and Early Warning has failed to provide adequate documentation supporting these negative reports. Under the Fair Credit Reporting Act ( FCRA ), they are required to remove inaccurate, incomplete, or unverified information within 30 days, which they have failed to do. This misinformation has severely impacted my ability to access financial services, caused unnecessary stress, and limited my financial opportunities. 

My correct personal information is : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Email : XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX in my EWS File Disclosure include : Variations of my name such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( truncated or altered ) Multiple inconsistent addresses : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX Others not connected to me Conflicting forms of identification : State ID Texas State ID XXXX  Passport ( XXXX XXXXXXXX ) These documents do not belong to me and were never provided by me. 

Multiple email addresses incorrectly linked to me : XXXX XXXX These variations are not mine and reflect a serious failure to maintain accurate consumer records. 

Legal basis : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Mixed files and contradictory identifiers violate this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Transunion XXXX. XXXX XXXX XXXX, XXXX In accordance with the fair credit Reporting act XXXX these Accounts has violated my rights. 

XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 states, I have them in right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 


sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: PA

Complaint narrative:
I am writing to formally dispute the following account ( XXXX ) reported on my credit file, as I do not recognize these accounts and believe they are inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ). 
The account details are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX/KOALAFI Account Status : Charged Off/ Not Recognized High Balance : [ Not Recognized / Unknown Payments : [ Not Recognized/ Unknown I do not recognize this account, nor do I have any record of the account number, the reported status, the high balance, or any payments associated with it. Under the provisions of the FCRA, I am entitled to dispute information that is incomplete, inaccurate, or unverifiable. 
Furthermore, I request that you conduct a thorough investigation of this account and provide me with the documentation proving I am responsible for this debt, including the original signed agreement and any other supporting documentation. Until such verification is provided, I request the removal of this account from my credit report. 
Please note that I am exercising my rights under the FCRA to dispute and request verification of this account. If you are unable to verify this debt within the statutory period, I request that this account be marked as " disputed '' and removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this disputed account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts reported under my credit profile. I did not authorize, open, or manage these accounts, and they bear no legitimate connection to my financial activity. Their reporting is false, misleading, and harmful to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I dispute the reporting of late payments and delinquency on my account ( s ). These marks are wrong and should be changed to reflect Paid as Agreed, with any delinquency removed forthwith.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
Kindly remove these false accounts within 15 days as mandated by USC 1681g.

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 2025-09-16 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: CA

Complaint narrative:
The review of my credit doesn't portray my real financial principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: KY

Complaint narrative:
This the dispute I sent to the company 's website over a month ago with not results-When they do call they could give me the itemized amounts that I ask except to state that I {$550.00} and not to ask question. I disputed once i got the collection letter on XX/XX/year> on the website and made numerous calls. The original vendor is XXXX. 

I am writing to formally dispute the validity and amount of the alleged debt referenced in your recent collection letter dated [ insert date ]. The amount you claim is owed is inaccurate and not supported by any itemized statement or documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt, including a detailed, itemized accounting of the balance you allege I owe, the name and address of the original creditor, and proof of your authority to collect. 

Your notice fails to provide sufficient detail for me to determine whether the debt is accurate, owed by me, or enforceable. I therefore dispute the validity of this debt in its entirety. Until proper validation is provided, you must cease all collection activities and refrain from reporting, or must correct any existing reporting, to credit bureaus regarding this account. 

I am aware that numerous consumer complaints have been filed against Diversified Adjustment Service XXXX XXXX for similar issues, including : Failure to validate debts : Consumers have reported that Diversified Adjustment Service pursued collection without supplying proper verification or itemized documentation. ( See complaints filed with the Better Business Bureau and the Consumer Financial Protection Bureau ). 

Incorrect balances reported : Many individuals have stated that the amounts demanded were inflated, inconsistent, or included charges not explained in writing. 

Credit reporting inaccuracies : Complaints also highlight that debts have been placed on credit reports without sufficient verification, causing harm to consumers. 

These documented patterns reinforce the need for you to fully validate this debt as required by law. 

If you can not provide such documentation, you are required to cease all collection efforts and remove any negative information you may have furnished to consumer reporting agencies. Please be advised that I am fully prepared to assert my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ) should improper reporting or collection efforts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A line of credit was opened under my name do to a mistake or by fraud by XXXX XXXX in the amount of {$3500.00}. A person by the name of XXXX XXXX has been opening up accounts under my SSN. This is not me. He is also showing up on my credit reports since XXXX. This was opened in XXXX of XXXX, and closed and sent to collections in XX/XX/XXXX. I have contacted XXXX XXXX at XXXX and sent a letter at their address XXXX XXXX XXXX XXXX XXXX XXXX but have not received an response.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-16 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-16 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: MA

Complaint narrative:
Please comply with USC 1681g by deleting these incorrect items from your records within 15 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 explanation