vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You guys must really like being SUED! Please explain to me HOW this was verified when the furnisher themselves acknowledged in this CFPB portal that they deleted this account!? I am submitting this follow-up because Experians previous verified response is factually incorrect and violates the Fair Credit Reporting Act.

Please review the documents I am attaching : 1. XXXX  formal deletion letter issued directly in the CFPB portal. 
2. XXXX confirmation that the account has been deleted. 
3. XXXX confirmation that the account has been deleted. 

XXXX the furnisher of this data has fully withdrawn the account and confirmed deletion in writing. Both other credit bureaus have complied and removed the item.

Experian is the only bureau still inaccurately reporting this debt. Your verified response is impossible, because the furnisher has deleted the account and no longer validates it. Reporting an account that the furnisher has withdrawn is a clear FCRA violation and demonstrates that no reasonable investigation was conducted, especially after forcing me to wait over 60 days.

I am demanding the following : Immediate deletion of the XXXX Collection account, A corrected investigation summary, and Written confirmation that the account has been removed from my Experian file.

If Experian refuses to correct this despite irrefutable documentation, I will be filing : A separate CFPB complaint specifically against Experian, A complaint with my State Attorney General, and I will pursue legal remedies for willful non-compliance under 15 U.S.C. 1681n.

The furnisher deleted it. The other bureaus deleted it. Experian can not verify an account that no longer exists.

I expect immediate correction. And i do mean immediate! We are talking 7 months of this in this portal this is Ludacris!!

Im not waiting another 60 days! After requesting deletion since XXXX, I have attached XXXX  deletion letter that was uploaded to this portal as well as XXXX XXXX and XXXX, confirming their deletion! We will NOT drag this out another 60 days!

Please SEE ALL THE ATTACHED DOCUMENTS FROM THE FURNISHER AND THE OTHER Bureaus!!! It is hard times in this economy if the response is not that this is deleted you all have given me in writing a HUGE payday! Stop with the games!!!

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
I signed up for a Chime account on XX/XX/year> because of a {$250.00} sign-up bonus promotion requiring a {$500.00} direct deposit. I had trouble confirming whether my account was created since I did not receive an email from them to confirm this. In the morning I received a welcome to chime email. I called Chime on XX/XX/year>. The representative told me the promotion was attached to my account & confirmed that as long as I received a $ XXXX deposit I would get this bonus applied right away. 

I completed the required {$500.00} deposit on XX/XX/XXXX but did not receive the {$250.00} sign on bonus so I called chime again. I was told on that call & several calls after ( on XX/XX/year>, XX/XX/year>, and again the week of XX/XX/year> ) that the promotion was linked, that I qualified, and that I just needed to wait. I was given case numbers and told the bonus would be manually added if it did not post. 

On XX/XX/year>, after still not receiving it, I called again in the morning. The representative confirmed yet again that the promo is linked to my account and they will be escalating to the team that can manually add the bonus. They said Ill hear within the hour via email. I waited 10 hours and got no email. I called yet again & had the call escalated to the department supervisor for manual overrides. The supervisor reviewed my case numbers and read aloud the prior call log and confirmed I had repeatedly been told the promotion was linked. However, he then said they would not honor it because I supposedly did not click the link during sign-up. He said without me clicking the link he couldnt manually add it even though he understands all of the representatives told me I could and that there would be nothing he could do. I told him I have the screenshots, I have proof, & at the very least I have been waiting & being told that I qualified this entire time. He proceeded to say I understand but theres nothing I could and no one else you could speak to about this so for quality reasons Im going to end the call and hung up.

Chime repeatedly gave me incorrect and misleading information over multiple weeks, causing me to complete the deposit based on their assurances. I am requesting that the {$250.00} promotion be honored or that an equivalent credit be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED 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 non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a letter from the U.S. Department of Education notifying me that my Borrower Defense to Repayment application was approved. The letter stated that all of my federal student loans from approximately XXXX through XXXX would be discharged. 

However, my loan servicer, Nelnet, is still showing the loans as active and has not updated my account to reflect the discharge. I have not received confirmation from Nelnet about the loan cancellation, and my balance has not been reduced to zero as stated in the Department of Education decision. 

I contacted Nelnet on XXXX but the representatives were unable to explain why the loans remained active or when the discharge would be processed. I have taken no actions that should delay or reverse the discharge. Because of the incorrect loan status, I am concerned about interest accrual, required payments, and credit reporting errors.

I am filing this complaint to ensure that the Borrower Defense discharge is properly applied to my account and that my loan servicer updates my records promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report. Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting. 15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy. 15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : Account number XXXX XXXX  : Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report. Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting. 15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy. 15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : Account number XXXX XXXX  : Account number 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 2025-11-17 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: FL

Complaint narrative:
I have been fighting bureaus for a yr now and they arent investigating properly, i barely get a response from them my next plan is to sue them in federal court

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 2025-11-17 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:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-17 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AL

Complaint narrative:
I am disputing Credit Control LLCs continued reporting of an alleged XXXX XXXX collection account and an alleged XXXX collection account. I submitted a formal written request for validation and verification under FDCPA 809 ( b ) and requested all documentation they rely on to report the debt.

Credit Control LLC failed to provide : The original signed contract/wet-ink agreement The full itemized ledger or billing statements Proof of assignment/chain of title Authorization showing they are legally permitted to furnish information Any documentation supporting the balance they are reporting Despite failing to validate the debt, Credit Control LLC continues reporting inaccurate information to all three credit bureaus. This is unlawful furnishing under FCRA 1681s-2 and a violation of FDCPA 809 ( b ) because they continued collection activity without verification.

This inaccurate reporting has caused financial harm, credit score damage, and delays in obtaining housing and employment.

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 2025-11-18 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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