vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My autopay was turned off in XXXX without my notice and missed XXXX months of school payments. My monthly payment is XXXX $ they hit my credit and dropped it XXXX points I paid it to current the second I saw and called them and asked for it be removed they said they only do it for current students or people in the military they literally ruined my credit over XXXX $ which got paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Im disputing a {$34000.00} repossession being reported by XXXX XXXX. The account appears on all three bureaus and even shows duplicate listings with nearly identical details clear evidence of reporting errors and data-furnisher negligence.

No proof of sale, deficiency notice, or payment breakdown has ever been provided despite multiple written disputes. This violates FCRA 609 ( a ) ( right to documentation ) and FCRA 611 ( a ) ( reasonable reinvestigation ). Reporting duplicate derogatories also breaches Metro 2 Compliance 4.3.1, which prohibits multiple entries for the same account. 
The bureaus are knowingly reporting unverified information and issuing false verified responses. You all make billions selling consumer data, yet fail to verify the information you sell. Thats not acceptable.

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 2025-11-10 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:
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 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 2025-11-10 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
Ive been a victim of identity theft for months. Someone used my information to open accounts and inquiries and apply for credit without my consent, and creditors accepted them without proper checks. inquiry : XXXX Inquired on XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX XXXX  # XXXX Installment lease Auto Loan-Date Opened : XX/XX/XXXX ; XXXXXXXX XXXX # XXXX, Auto Lease installment- XX/XX/XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, XXXX credit card accounts were opened under the names XXXXXX/XX/XXXXand XXXX XXXX XXXX, reporting to XX/XX/XXXX, Equifax, andXX/XX/XXXX. Each account was later reported as a charge-off with balances of {$6300.00} and {$9500.00}, respectively. 

On or around XX/XX/XXXX, I initiated formal disputes with allXX/XX/XXXX credit bureaus after noticing significant inaccuracies in the way these accounts were reported. Over the course of XXXX dispute rounds ( XXXX through XX/XX/XXXX ), I provided documentation and identified numerous reporting discrepancies, including : Conflicting creditor names ( XXXX XXXX vs. XXXXXX/XX/XXXX ) Different charge-off and closure dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Contradictory account statuses ( Charge-off, Closed, and Dispute Reinvestigation in Progress ) Inaccurate utilization percentages ( over 100 % ) reported on closed accounts Varying remarks and classification inconsistencies across bureaus Despite my repeated disputes and supporting documentation, these accounts remain inaccurately reported, demonstrating that the data furnisher and credit bureaus have failed to ensure the maximum possible accuracy required under FCRA XXXX ( A XXXX and XXXX ( B ). 

On XX/XX/XXXX, I issued formal deletion demands to XX/XX/XXXX, Equifax, XX/XX/XXXX, and XXXX XXXX XXXX under FCRA XXXX ( a ) ( XXXX ) ( A ), asserting that the information is now unverifiable by definition due to repeated inconsistent reporting. I also requested written confirmation of deletion within fifteen ( XXXX ) days. 

To date, the tradelines remain unchanged. The ongoing publication of these unverifiable charge-offs has negatively impacted my credit reputation, limited access to financing, and caused measurable financial and emotional distress. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX and the credit bureaus comply with federal law by immediately deleting both inaccurate charge-off accounts from my consumer credit files and providing written confirmation of correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Karma, LLC
State: PA

Complaint narrative:
Credit Karma has a credit builder app that is reporting a charge off of {$9.00}. I called to ask to pay and they told me it is closed and no longer able to be paid on. Their customer support team reached out to me via email also stating it is closed and can no longer be paid on. I emailed several times asking for them to send me a statement in writing saying the refuse to allow me to pay this off, to which they ignored. They emailed back several days later stating that they will authorize the account to be paid on effective the XXXX of XXXX. The account was still not paid on as they said it would be. They now have no working phone number to get in touch with support and have ignored my several emails to the support team, even though this is the only way to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
I am requesting that TransUnion reinvestigate the following items on my credit report. If these items can not be verified, I am requesting immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$480.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$550.00} XXXX XXXX, XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$58.00} INQUIRIES ( TU ) XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX LATE PAYMENTS ( TU ) XXXX  Acct : XXXX XXXX XXXX XXXX XXXX This late payment appears inaccurate or unverifiable. If it can not be substantiated with proper documentation, I request removal.

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 2025-11-10 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-10 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
They keep giving me a previous address that I have never lived at. I have been at the same address for 30 years. Also they have me still employed and I retired in 2013.

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported transactions that I didn't do to Chase 11 of them that were transferred to a one pay account while my card was locked. The total is {$1600.00} and Chase says they're not returning my money and they closed the case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX Bank and their handling of my XXXX XXXX Credit Card account ( ending in XXXX ). 

On XX/XX/year>, I received a letter from XXXX XXXX Bank responding to my prior CFPB complaint ( Ref. No. XXXX ). While they claim to have issued a {$6.00} refund and requested that the XX/XX/year> delinquency be removed from my credit report, the matter remains unresolved for the following reasons : Credit Reporting Inaccuracy : XXXX acknowledges that they previously submitted a request to remove the XX/XX/year> delinquency but are asking me to allow up to 45 days for the credit bureaus to update their records. As of now, the delinquency remains on my credit reports, continuing to negatively impact my credit profile despite their admission that the reporting was inaccurate. 

Inconsistent XXXX and XXXX : XXXX letter states that my account balance is XXXX and that all late fees and related charges were credited as a courtesy. This contradicts their earlier reporting of a delinquency and implies acknowledgment of an internal error. However, despite this acknowledgment, they have not confirmed in writing that the correction has actually been processed with all three credit bureaus. 

Unclear and Delayed Remediation : It is not acceptable for a consumer to be left in uncertainty for over a month while inaccurate negative information remains on file. XXXX courtesy language does not change the fact that the original reporting was incorrect and harmful. 

I am requesting the CFPBs assistance to ensure : The XX/XX/year> delinquency is completely removed from all credit bureaus ( Experian, Equifax, and TransUnion ). 

XXXX XXXX Bank provides written confirmation that the correction has been made and verified with all bureaus. 

Any future negative reporting related to this resolved account be prevented to avoid further credit damage. 

I have attached XXXX full letter ( signed by XXXX XXXX, XXXX XXXX ) for your review. 

Thank you for your attention to this matter and for ensuring consumer rights are protected against inaccurate or misleading credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Sparks, NV

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 2025-11-10 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:
I am submitting this dispute statement regarding the following charged-off accounts, inquiries, and late payments that appear on my credit report. I request a thorough investigation of these accounts to ensure they are accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Acct : XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX Acct : XXXX * * * *, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries : XXXX FCU XXXX Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment : XXXX XXXX Acct : 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 2025-11-10 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MortgageOne, Inc.
State: OH

Complaint narrative:
XXXX XXXX Branch XXXX XXXX # XXXX XXXX ( XXXX ) XXXX XXXX AZ XXXX # XXXX | XXXX XXXX # XXXX This man bought my email address and sent me an email without my permission. I just un froze my credit an hour ago and he already is spamming me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the negative reporting on my Aidvantage account under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) because I had no prior knowledge of this loan. Between XXXX and XX/XX/XXXX, I received no statements, notices, or phone calls regarding repayment. 

I only became aware of the account when I saw the negative mark on my credit report in XXXX of XXXX, and on XX/XX/XXXX, I made a payment to bring the account to XXXX and restore it to good standing. 

I requested the original loan agreement and records of communications from XXXX, but they provided nothing. The delinquency resulted from their failure to provide proper notification, not from nonpayment, and I am requesting a reinvestigation and correction of the reporting. 

I still to this day am paying this loan with no loan agreement as they have yet to provide me 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request to Update Credit Report and Address Verification To Whom It May Concern, I am writing to formally request an update and verification of my credit report. Upon review, I noticed that EQUIFAX are currently not reporting any information on my credit profile. This issue is affecting my credit monitoring and the completeness of my credit file.

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and up-to-date information in consumer credit files. Therefore, I am requesting that both Equifax and Experian update and synchronize my credit report information to ensure it reflects my full and accurate credit history. 


Additionally, I am providing new proof of address documentation to verify and update my personal information on file. Please update my records accordingly and confirm that my current address is accurately reflected in your system.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Closed all credit card accounts and still getting numerous of repeated daily/night calls and emails...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Company is spam calling me for weeks upon weeks, over a month with options to get a loan

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