vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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:
I am filing this complaint due to a reporting error involving my federal student loan from the U.S. Department of Education. The loan was previously reported as closed and placed in collections, and TransUnion still shows it as closed with a closure date of XX/XX/year>. 

However, Equifax is now reporting the same loan as open and in collections, even though there has been no new activity. On top of that, the balance continues to increase, despite the loan being marked closed and inactive. This creates the false appearance of a delinquent, active debt.

I disputed the account through Equifax, but it came back verified without any supporting documentation. Then the status changed back to open again, with no valid explanation or verification.

This inaccurate reporting is hurting my credit profile, and I am requesting that the information be corrected or removed.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NM

Complaint narrative:
All the closed accounts are still reporting to all credit bureaus over 7 yrs statute of limitations

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC
State: IL

Complaint narrative:
This inquiry on my credit is on my credit report & I did not furnish anything from this company running my credit. I also did not give this specific company to run my credit. Therefore this inquiry should be removed. This inquiry happened XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
This inquiry on my credit is on my credit report & I did not furnish anything from this company running my credit. I also did not give this specific company to run my credit. Therefore this inquiry should be removed. This inquiry happened XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I previously filed a CFPB complaint regarding multiple inaccurate Navy Federal Credit Union accounts reporting on my XXXX  credit file. XXXX responded by confirming deletion of these accounts, and they were successfully removed.

However, these same accounts have now been reinserted back onto my XXXX  credit report without notifying me within 5 business days, and without certifying their accuracy, which is a direct violation of the Fair Credit Reporting Act 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I am requesting immediate deletion of the reinserted accounts, and a formal investigation into XXXX compliance procedures. I have documentation from my previous CFPB case showing the accounts were removed. I am attaching : Prior CFPB response showing accounts were deleted Screenshot of current XXXX  report showing they were reinserted Identity Theft Report and dispute letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate payment history being reported by DEPTEDXXXX under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax is reporting late payments for both XX/XX/year> and XX/XX/year>, including a XXXX delinquency in XX/XX/year>, while TransUnion and Experian both report the account as Current for the same time periods. 

This inconsistency indicates that Equifaxs data is incorrect and not in compliance with the FCRAs requirement to report accurate and verifiable information. The late payment markers for XXXX and XX/XX/year> do not appear on the other two credit bureaus, creating a reporting discrepancy that is damaging and misleading. 

Additionally, the account shows no past due balance and is marked as Current as of XX/XX/year> across all bureaus, further confirming the inaccuracy of the XXXX and XXXX derogatory marks. 
This reporting violates FCRA sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require that all information furnished to consumer reporting agencies be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate payment history being reported by DEPTEDXXXX under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax is reporting late payments for both XX/XX/year> and XX/XX/year>, including a XXXX delinquency in XX/XX/year>, while TransUnion and Experian both report the account as Current for the same time periods. 

This inconsistency indicates that Equifaxs data is incorrect and not in compliance with the FCRAs requirement to report accurate and verifiable information. The late payment markers for XXXX and XX/XX/year> do not appear on the other two credit bureaus, creating a reporting discrepancy that is damaging and misleading. 

Additionally, the account shows no past due balance and is marked as Current as of XX/XX/year> across all bureaus, further confirming the inaccuracy of the XXXX and XXXX derogatory marks. 
This reporting violates FCRA sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require that all information furnished to consumer reporting agencies be accurate and complete.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXXXXXX XXXX for reporting a fraudulent credit account in my name. 

I am currently incarcerated and have been in continuous custody since XX/XX/year>. I did not open this XXXX credit card account ( account number ending in XXXX ), nor did I authorize anyone to do so on my behalf. 

This account was fraudulently opened while I was in custody and unable to access or authorize any financial services. Under 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681c-2, XXXX  is legally obligated to verify my identity and provide documentation proving that I opened this account. They have failed to do so. 

I demand that this account be : Immediately deleted from all consumer reporting agencies ( Experian, XXXX XXXX ) Marked as identity theft Permanently closed and never re-reported This account is causing serious harm to my credit, finances, and post-release opportunities. If it is not removed immediately, I will pursue legal action for damages under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigates XXXX  failure to properly verify this account and holds them accountable for their non-compliance. 

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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX  / XXXX XXXX for reporting a fraudulent credit account in my name. 

I am currently incarcerated and have been in continuous custody since XX/XX/year>. I did not open this XXXX credit card account ( account number ending in XXXX ), nor did I authorize anyone to do so on my behalf. 

This account was fraudulently opened while I was in custody and unable to access or authorize any financial services. Under 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681c-2, XXXX  is legally obligated to verify my identity and provide documentation proving that I opened this account. They have failed to do so. 

I demand that this account be : Immediately deleted from all consumer reporting agencies ( Experian, Equifax, TransUnion ) Marked as identity theft Permanently closed and never re-reported This account is causing serious harm to my credit, finances, and post-release opportunities. If it is not removed immediately, I will pursue legal action for damages under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigates XXXX  failure to properly verify this account and holds them accountable for their non-compliance. 

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXXXXXX for reporting a fraudulent credit account in my name. 

I am currently incarcerated and have been in continuous custody since XX/XX/year>. I did not open this XXXX credit card account ( account number ending in XXXX ), nor did I authorize anyone to do so on my behalf. 

This account was fraudulently opened while I was in custody and unable to access or authorize any financial services. Under 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681c-2, XXXX  is legally obligated to verify my identity and provide documentation proving that I opened this account. They have failed to do so. 

I demand that this account be : Immediately deleted from all consumer reporting agencies ( Experian, Equifax, TransUnion ) Marked as identity theft Permanently closed and never re-reported This account is causing serious harm to my credit, finances, and post-release opportunities. If it is not removed immediately, I will pursue legal action for damages under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigates XXXX  failure to properly verify this account and holds them accountable for their non-compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
I am reporting deceptive and unfair business practices by Heights Finance Corporation. My loan contract includes a mandatory arbitration clause requiring disputes to be handled by the XXXX XXXX XXXX ( XXXX ). 

The exact clause in my contract states : Choosing the XXXX XXXX. Any Dispute shall be decided before one of the following ( the 'arbitration organization ' ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( https : //www.jamsadr.com ), or another organization mutually agreed to by the parties. If XXXX and XXXX can not or will not serve, and the parties are unable to select an arbitration organization by mutual consent, the arbitration organization will be selected by a court. 

When I attempted to file for arbitration, Heights Finances attorney admitted in writing : I will let my client know about needing to register their contract with the XXXX. 

This confirms Heights Finance placed arbitration clauses in consumer contracts while failing to register with XXXX as required making the arbitration clause unenforceable, deceptive, and misleading. Despite this, Heights Finance refused to honor the arbitration clause and instead pursued a court case that led to a garnishment against me. 

This caused significant financial harm including garnishment, credit damage, and housing denials. Their failure to follow the dispute process outlined in the contract directly resulted in negative information being placed on my credit report, which remains unresolved. 

This issue has been reported to the XXXX FTC, XXXX, and the Missouri XXXX XXXX XXXX. I believe Heights Finances actions violate the Missouri Merchandising Practices Act ( MMPA ) and CFPB rules regarding deceptive, unfair, and abusive acts and practices ( UDAAP ). I am requesting CFPB investigate Heights Finances use of deceptive arbitration clauses and their failure to prevent and correct the resulting credit damage and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I recently opened an account with Associated Bank. Shortly after opening my account, there was a small overdraft of less than {$5.00}. It was confirmed that my account activity was legitimate. I had disputed a transaction regarding a recent purchase for a package that I did not receive, and after the bank decided to suddenly close my account without explanation, I was supposed to receive a cashiers check as a reversal refund, but it was never sent to me.

Despite calling the bank multiple times for an explanation as to why my account was suddenly closed, I was repeatedly told that the banks policy allows them not to provide a reason. I was also informed that my remaining funds would be sent to me via cashiers check, or I could pick them up in person. However, by the time I called back for clarification, the window to collect my funds in person had passed. When I asked when I would receive the cashiers check, I was told there was no definitive answer and that I would not receive any letter or further explanation regarding the account closure.

To my knowledge, there were no fraudulent transactions or any suspicious activity that would justify closing my account. I am very concerned about the lack of transparency and communication from the bank regarding both the closure and the return of my of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. 
I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : AMEX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$230000.00} Date Last XXXX Date of Last XXXX Late 60 days XX/XX/XXXX, Late 30 days XX/XX/XXXX, Late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Last XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX, Late 60 days XXXX XXXX days late XXXX XXXX and 30 days late XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX XXXX days late XXXX XXXX days late XXXX XXXX and 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX, XXXX and XX/XX/XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} Date Last XXXX Date of Last XXXX Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XXXX XXXX, Late 90 days XX/XX/XXXX, Late 60 days XX/XX/XXXX and late 30 days XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Date Last XXXX of Last Payment:05/01/2025 Late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief