vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: FL

Complaint narrative:
In response to my initial request to verify the accuracy of the information on my credit reports, I received letters from the credit bureaus and associated companies around XX/XX/XXXX, confirming that all information had been reviewed and verified as accurate and up to date. 

However, on or about XX/XX/XXXX, I submitted a second letter to all three major credit bureausXXXX XXXX, and XXXXto dispute specific inaccurate information on my report. The company in question reported around XX/XX/XXXX, that my account had gone into collections, which is factually incorrect. 

In response to my dispute, the company claimed that the information they furnished to the credit bureaus was accurate and current. However, I have received written documentation directly from the company stating that the account was paid in full and closed as agreed, with no mention of collections activity or any involvement with a third-party collection agency. 

This documentation directly contradicts the collections entry currently being reported by the credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) gives consumers the right to obtain all information in their credit file.

FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving notice from the consumer.

FCRA Section 611 ( a ) ( 5 ) ( A ) requires the deletion of information that is found to be inaccurate, incomplete, or unverifiable.

FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) mandates that furnishers of information ( like the company involved ) not report inaccurate information to consumer reporting agencies.

FCRA Section 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) also requires furnishers to investigate disputes when notified by a credit reporting agency and to correct or delete any inaccurate information.

Despite my efforts to follow the proper dispute process and provide supporting documentation, the inaccurate collection entry still remains on my credit report. This appears to be a violation of both the credit bureaus and the furnishers obligations under the FCRA.

I am respectfully requesting the CFPBs assistance in ensuring that this false and damaging information is removed from my credit report, and that both the credit bureaus and the reporting company adhere to the legal standards outlined in the FCRA.

Thank you for your time and help in resolving 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
There were unauthorized charges to my Home Depot Credit card from XX/XX/XXXX to XX/XX/XXXX. 
I live in XXXX XXXX XXXX and I was out of the country from XX/XX/XXXX till XX/XX/XXXX and i returned to XXXXXXXX XXXX XXXXXX/XX/XXXX. 

No one has access to my Home Depot Credit card. 

The unauthorized charges were made to purchase gift cards as follows : XXXX - XXXX XXXX XXXX  {$110.00} XXXX Home Depot XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1200.00} XXXXHome Depot XXXX XXXX XXXX {$1600.00} XXXX-Home Depot XXXX XXXX XXXX XXXX {$1400.00} XXXX reached out to HD and reported the fraud transaction XXXX 
Home Depot credit services determined that i was responsible for the charges because the physical credit card was in my house.Credit services. I provided several evidence that i was out of the country

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 monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My XXXX XXXX  was discharged on XXXX XXXX, 2025 and there are still accounts reporting on my credit and showing payment history that should no longer be on my credit report. 

I have a photo copy of my discharge and request that these items be updated & removed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My XXXX XXXX  was discharged on XXXX XXXX, 2025 and there are still accounts reporting on my credit and showing payment history that should no longer be on my credit report. 

I have a photo copy of my discharge and request that these items be updated & removed immediately. Thank you

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent collection account reported by National Credit System for XXXX XXXX XXXX, opened on XX/XX/XXXX And updated on XX/XX/XXXX with a balance of {$5200.00}. I did not open or authorize this account, and it is the result of fraud. 

I have already disputed this with the credit bureau, but the issue remains unresolved. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be removed from my credit report immediately. 

I am attaching supporting documentation, including a copy of my credit report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing anoint an item on my credit report concerning an account with XXXX XXXX. The account is incorrectly showing derogatory information that skips over a 60-day late mark, which is both misleading and inaccurate under federal credit reporting standards.

According to the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. In addition, Section 611 ( a ) of the FCRA grants me the right to dispute information I believe to be incorrect and requires that the furnisher of the data verify its accuracy within 30 days.

I previously submitted a dispute regarding this account and requested XXXX XXXX to verify the full and accurate payment history. They failed to provide adequate verification and did not correct the inaccurate reporting. 

Reporting missed payments inaccurately or skipping over key delinquency stages misrepresents my creditworthiness and may violate the Fair Credit Billing Act as well. If XXXX XXXX can not provide documentation confirming the accuracy of this reporting, it must be removed from my credit file immediately. 

Please reinvestigate this matter and delete or correct the inaccurate information as required by law. I request written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Peace and blessings. 

This is a follow-up regarding complaint # XXXX filed on XX/XX/year>2025, against TransUnion. Despite multiple disputes and the CFPB complaint, the issue remains unresolved. I am requesting enforcement of FCRA 611, 616, and 617 requiring deletion of unverifiable information.

Despite having filed two written and two phone disputes, TransUnion has not verified the account with original source documentation ( such as a signed contract or application ). Under FCRA 611, a consumer reporting agency must conduct a reasonable reinvestigation, and if they can not verify the accuracy, the information must be deleted.

Additionally : TransUnion has updated personal information ( including my current phone number ) to the disputed account without my consent, a potential violation of FCRA 605B ; They recently opened a new 30-day dispute without my authorization after receiving my CFPB complainteffectively resetting the clock and delaying proper resolution ; These actions constitute willful and negligent noncompliance under FCRA 616 and 617.

The continued reporting of this accountwithout proper verification and amid these clear violationsis materially harmful and unlawful. Therefore, I am formally requesting the CFPB direct TransUnion to delete this unverifiable and improperly handled account from my credit file as a just resolution.

Thank you for your attention to 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely XX/XX/XXXX. Do anything necessary to remove them from my report now!

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am enrolled in an income-driven repayment ( IDR ) plan for my federal student loans, which Nelnet services XXXX My monthly payments have been miscalculated, resulting in significantly higher payments than what is allowed under federal IDR rules. Specifically, my payment exceeds the percentage of discretionary income allowed under the SAVE or REPAYE plan.

Despite providing updated income and household size information, Nelnet has failed to adjust my payment properly and has not given me a clear breakdown of how the amount was determined. Ive also reviewed recent claims made in a federal class action ( XXXX v. Nelnet Servicing , LLC ) that allege Nelnet miscalculates IDR payments across many borrowers. 

This issue has created a financial hardship and appears to reflect systemic servicing errors. I am requesting the CFPB 's assistance in requiring Nelnet to : 1. Recalculate my monthly payment based on accurate income and family size using the proper IDR formula 2. Provide a full breakdown of how the payment was calculated 3. Correct any related negative credit reporting if inaccurate amounts have been reported 4. Cease all further inaccurate billing until validation is complete I have attempted to resolve this directly with Nelnet but have received vague or no responses. I am requesting the CFPB intervene to ensure compliance with federal loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Third party debt collectors are reporting inaccurate information that is hurting my credit. I have been disputing items and nothing is happening I have filed complaint after complaint with FTC, XXXX, CFPB, nothing is changing, creditors are refusing to remove false information. Credit reporting agencies keep reporting inaccurate information without providing me all proof of photo ids, signatures, contracts, etc. to prove proper investigation of alleged debt. 

# # # # * * B. Disputed Delinquent Accounts * * 1. * * XXXX XXXX XXXX * * ( Account # XXXX ) {$2600.00} - * * Issue * * : Fraudulent account opened XX/XX/XXXX. No contractual agreement exists. 
- * * Violation * * : FCRA XXXX ( a ) ( XXXX ). 
2. * * KIKOFF LENDING LLC * * ( Account # XXXX ) account opened XX/XX/XXXX. No contractual agreement exists- * * Issue * * : charge-off ; account never opened. {$60.00} - * * Violation * * : FCRA 623 ( a ) ( 3 ). 
XXXX. * * XXXX XXXX XXXX * * ( Account # XXXX ) - * * Issue * * : Unvalidated debt ; violates * * FDCPA 809 ( b ) * *. 
- * * Issue * * : Fraudulent account opened XX/XX/XXXX. No contractual agreement exists. {$2400.00} - * * Violation * * : FCRA 623 ( a ) ( 3 ). 
4. * * XXXX XXXX XXXX * * ( Account # XXXX ) - * * Issue * * : Unvalidated debt ; violates * * FDCPA 809 ( b ) * *. 
- * * Issue * * : Fraudulent account opened XX/XX/XXXX. No contractual agreement exists. {$1300.00} - * * Violation * * : FCRA 623 ( a ) ( 3 ). 
5. * * XXXX XXXX  XXXX * * - * * issue * * Fraudulent account opened XX/XX/XXXX. Authorized User Account * * * * Legal Basis * * : - * * FCRA 604 ( a ) ( 3 ) * * ( lack of permissible purpose ).

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Experian has failed to update my credit report since XX/XX/year>, citing inconsistencies in my personal information specifically regarding variations of my legal name. 

In response, I submitted a formal dispute to correct all of my personal information, including my legal name as stated on my government-issued ID : XXXX XXXX XXXX XXXX XXXX The dispute was successfully processed and the corrected information is now reflected in my Experian profile. 

However, despite the corrected information being accepted and visible in my file, Experian has not refreshed or updated my credit report. This delay is negatively impacting my ability to access credit and constitutes a potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 611 and 607 ( b ), which require credit bureaus to maintain complete and accurate files after a dispute has been resolved.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This is the account I want to dispute XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation