vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: MO

Complaint narrative:
Experian, Equifax, and Transunion did not properly investigate accounts that I disputed with them. They are all in violation of codes : 15USC1681IA1, 15USC1681IA6B3, 15USC1681IA5B, 15USC1666B, and 15USC6802

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 2025-05-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX have a Student loan that was transferred from Great lakes to Nelnet and changed from 1 loan account to being reported as 3 different accounts on my credit report without my approval. being unaware of the changes and the fact that my loans were no longer deferred I had missed 3 payments of {$50.00} which was paid immediately when I found out my credit went from around a XXXX to a XXXX because my 1 student loan was reported as 3 delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I keep getting credit checks pop up from random companies listed below. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these credit checks and I have tried to call each bank but I get sent to a waiting line and never get an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX U.S. XXXX XXXX ( XXXX ). According to, XXXX U.S. Code XXXX 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. Under, XXXX U.S Code XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: GA

Complaint narrative:
Experian is violating my right to privacy under 15 U.S. Code 1681 ( 4 ), Congress has recognized that credit reporting agencies bear " grave responsibilities '' and must act with fairness, impartiality, and a respect for the consumers right to privacy. This false and misleading reporting is a clear violation of my right to privacy as protected by federal law. 

To date they continue to report late payments on my consumer credit report that are Inaccurate. Even after multiple letters & calls showing proof of the error. The late payments are being reported exclusively by Experian. Neither Equifax nor TransUnion is reporting these delinquencies ; they show the account as paid as agreed with no late payments during the time in question. Therefore, the data Experian is reporting is factually inaccurate and damaging to my creditworthiness.

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 2025-05-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to report that TRANSUNION is currently reporting inaccurate information on my credit report. This incorrect reporting is negatively affecting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credFor inaccurate credit reporting by credit bureaus, the correct law is the Fair Credit Reporting Act ( FCRA ), which is found under XXXX XXXX XXXX XXXXXXXX FDCPA ( XXXX XXXX  XXXX ) protects you from false or misleading representations by debt collectors. FCRA ( XXXX XXXX. XXXX ) gives you the right to dispute inaccurate info on your credit report.it report that I believe is inaccurate, incomplete, or unverifiable.

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 2025-05-11 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: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade was the original lender with a loan of {$9000.00} opened back on XX/XX/year>2021. The account went delinquent and went to collection agency XXXX. XXXX ended up moving the debt to law firm XXXX XXXX XXXX in XXXX, CA. I paid the outstanding balance in full to XXXX XXXX XXXX. Now, no one will talk to me about the debt. The law firm i paid ( XXXX ) says they dont have acces to the file any longer. XXXX, the collection agency would only confirm the balance is now XXXX and should be reported as paid in full on my report, but they wouldnt furnish me with a paid letter. The original creditor, Upgrade, wont discuss the account at all.

I filed disputes with all 3 credit reporting agencies but there are still inaccuracies with balance and/or last delinquency dates on all 3 reporting agency reports even now that the dispute investigation has completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> NFCU XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that you have reported to the credit reporting agencies. Upon review of my credit report, I have discovered that you are inaccurately updating this account on a monthly basis and have placed remarks on my credit report that are inconsistent with your other actions regarding this debt. 

It has come to my attention that this account has been deemed a profit loss and has been reported as such to the Internal Revenue Service ( IRS ). However, you continue to report this account as [ current status they're reporting ] to the credit bureaus. 

This dual reporting practice is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. XXXX XXXX. XXXX, which requires furnishers of information to credit reporting agencies to provide accurate information and to correct inaccurate information. 

XXXX. XXXX XXXX. XXXX ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Under the law, if you have reported this debt as a loss to the IRS for tax purposes, you can not simultaneously continue to report it as a collectible debt to the credit bureaus. This inconsistent reporting misrepresents the true status of the account and damages my credit profile. 

I hereby demand that you : XXXX. Cease reporting this account to the credit bureaus immediately XXXX. Remove all previously reported information regarding this account from my credit reports XXXX. Provide written confirmation within 30 days that these actions have been completed Please be advised that failure to comply with this request XXXX result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under the FCRA. 

I expect your prompt attention to this matter and look forward to your written response confirming that the requested corrections have been made. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against JPMorgan Chase Bank regarding the abrupt closures of my personal and business accounts without sufficient explanation or opportunity to appeal. 

In both cases, I was informed of an alert or risk associated with my accounts, yet neither bank has provided me with any clear documentation or details about the issue. I have attempted to contact both institutions multiple times to resolve the matter, but my efforts have been unsuccessful. Their lack of transparency and refusal to reconsider or clarify has left me unable to access basic financial services and has affected my ability to operate my newly formed business. 

I respectfully request the CFPBs assistance in reviewing this matter and urging both institutions to either : 1. Provide a full explanation of the reason behind the account closures and alerts, 2. Allow me the opportunity to resolve or dispute any flagged concerns, 3. Or reinstate access to my banking relationships if no valid reason can be substantiated. 

I am committed to cooperating fully and providing any additional documentation required. 

Thank you for your time and attention to this matter. 

They told me I could never open an account again, and it seems unfair to me because I'm willing to give any information to fix this problem. I tried to do so with them, but I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I did not consent for XXXX XXXX XXXX to view and obtain a copy of 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 explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
On XX/XX/year> I made a {$20000.00} payment towards my loan balance. I paid off XXXX loans completely and followed the instructions on the site to pay loans in full. My loan balance was down to {$220000.00}. On XX/XX/year> I logged in to review correspondence about my loans forbearance and much to my dismay my loan balance was {$240000.00}. Multiple of the loans that I paid in full had balances and there was a XXXX total added back to my account. I called my loan servicer, MOHELA, and waited on hold for XXXX hours before the line disconnected at XXXX, I presume when they closed that day. I called the next day during my work day between seeing patients and waited again XXXX hours to be told that I would need to speak with a specialists and they would transfer me and Id speak with someone in a few minutes. After the transfer it was an automated service that said Id get a call back in XXXX days. I received a call the following morning and after confirming my information for call-back, never called me back when after XXXX minutes on the phone the line disconnected and no one could explain the balances. I had to wait again on hold between patients to then go through the same process of getting a call back. The specialist initially thought it was interest charged to the loans but I am in forbearance and the amounts didnt align with my previous interest rates. The specialist also told me that they dont have access to my payment history and that its good that I do because its an entirely different department, to which I said that is criminal. Then they told me they would be submitting a claim for review and this would take 90 days to hear anything back and I just have to wait. Unclear how anyone is ever supposed to get out of debt or even get a hold of someone who knows whats going on with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation