vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint and request for investigation regarding inaccurate or questionable information appearing on my credit reports withXX/XX/XXXX and TransUnion. I am a consumer seeking an accurate and fair credit report as required by the Fair Credit Reporting Act ( FCRA ). 

Inquiries : The following inquiries appear on my TransUnion report and are being disputed as unauthorized or unclear : XXXXXX/XX/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 2025-11-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are listed as charged off but contain inaccurate or incomplete information. Please correct the reporting to reflect accurate status or remove the entries if they do not comply with reporting standards. 

CHARGED OFF ACCOUNTSXX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} INQUIRIES The following inquiries have been made, and I dispute the accuracy of these listings. Please investigate whether these inquiries were made with proper authorization and correct any discrepancies. 

XX/XX/XXXX Date Open : XX/XX/XXXXXX/XX/XXXX Date Open : XX/XX/XXXXXX/XX/XXXX Date Open : XX/XX/XXXX XX/XX/XXXXDate Open : XX/XX/XXXX LATE PAYMENTS The following late payments are disputed and may not accurately reflect my payment history. Please verify and correct as necessary. 

XX/XX/XXXXAccount Number : XXXX

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: NC

Complaint narrative:
I am submitting this dispute statement to request that the following accounts be investigated and corrected, as they may not be accurately reported. I am requesting corrections as per my rights under the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts and disputes. 
Charged-Off Accounts : XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX, Date Opened : XX/XX/XXXX, Balance : {$77.00} XXXX XXXX Acct : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I received a letter stating I owe a balance of {$140.00} for a XXXX phone bill. I been called to cancel this phone plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting inaccurate/inconsistent information that XXXX XXXX XXXX XXXX secured card ) is furnishing to the credit bureaus. The account is reported as closed and Collection/Chargeoff , yet it simultaneously shows a Past Due Amount ( {$500.00} ) as if it were still active, which is contradictory for a closed charge-off. In addition, there are differing dates/fields across bureaus that impair an accurate reading of my history.

Key items from the 3-bureau report : Overall status : Closed + Collection/Chargeoff on TU/EX/EQ. 

Past Due Amount reported as {$500.00} despite Closed/Chargeoff.

Balance Owed reported as {$500.00} across all three. 

Inconsistent dates across bureaus : Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Opened XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Last Payment : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. 

Conflicting Creditor Remarks ( e.g., Charged off as bad debt, Canceled by credit grantor, Account closed due to inactivity ) and field differences ( Account Type, Credit Limit, High Balance ). 

These inconsistencies and the presence of past due on a closed charge-off mislead and harm my score. I request a meaningful reinvestigation and comprehensive corrections.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reporting inaccurate/inconsistent information that XXXX XXXX XXXX XXXX secured card ) is furnishing to the credit bureaus. The account is reported as closed and Collection/Chargeoff , yet it simultaneously shows a Past Due Amount ( {$500.00} ) as if it were still active, which is contradictory for a closed charge-off. In addition, there are differing dates/fields across bureaus that impair an accurate reading of my history. 

Key items from the 3-bureau report : Overall status : Closed + Collection/Chargeoff on XXXX 

XXXX XXXX XXXX reported as {$500.00} despite Closed/Chargeoff. 

XXXX XXXX reported as {$500.00} across all three. 

Inconsistent dates across bureaus : Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Opened : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Last Payment : XXXX XX/XX/XXXX vs XXXX XXXXXX/XX/XXXX. 

Conflicting Creditor Remarks ( e.g., Charged off as bad debt, Canceled by credit grantor, Account closed due to inactivity ) and field differences ( Account Type, Credit Limit, High Balance ). 

These inconsistencies and the presence of past due on a closed charge-off mislead and harm my score. I request a meaningful reinvestigation and comprehensive corrections.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a

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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a

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

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

Complaint narrative:
This breach exposed sensitive information, placing me at risk for identity theft and financial harm. I request that you ( 1 ) provide a detailed account of the data that was compromised, ( 2 ) confirm actions taken to remediate and prevent future breaches, ( 3 ) assist in correcting any erroneous information reported to credit bureaus, and ( 4 ) confirm enrollment in the offered identity protection services.

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: SC

Complaint narrative:
The charge-off entries reported by Experian contain material errors in balance and account status. Under FCRA 611, I request a full review and correction of these entries. I ask that Experian update the account to accurately reflect my payment history and the correct balance. 


CHARGED OFF ACCOUNTS DP OF EDUC Account Number XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Issue : The charge-off status and balance are incorrect and should be corrected. I request an investigation into the details of this account. 


Statement for Bureau ( Experian ) : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Issue : This account is inaccurately reported as charged off with an incorrect balance of {$0.00}. Please investigate and correct this error. 

U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Issue : I dispute the charge-off status and balance reported on this account. It should reflect accurate information based on my payment history

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 — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally disputing the accuracy and verifiability of certain information appearing on my Experian credit report. The following accounts are being reported with errors and require reinvestigation : XXXX. XXXX This account is closed, yet it continues to report an inaccurately high balance, which is not reflective of my payment history or account status. Please verify and correct or delete this entry if it can not be substantiated. 
XXXX. XXXX This account is also closed but reflects an incorrect high balance and inaccurate dates of activity, which are not consistent with my records. Please verify and update or delete this item if the information can not be fully verified. 

I am requesting a full reinvestigation of these items and removal of any unverifiable or inaccurate data from my credit file. 

Please send me written confirmation of your findings and any changes made. I have enclosed a copy of my photo identification and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
There are several unauthorized transaction from my account. Red flag right in black and white.why didn't they notice obvious suspicious activity on XX/XX/year>. Different device was used other than my device. Which I use my phone and no other concerning my stuff transaction started at XXXX am to XXXX am with over 20 unauthorized transaction in a XXXX min. Also at XXXX they continue to transfer all my money to XXXX XXXX XXXX XXXX off the transaction that chime allowed were from another device. That I don't have XXXX XXXX XXXX XXXX phone. On XX/XX/year> looking XXXX the record you can plainly see were the routine activity stops and the suspension activity begins the number 100 in red begins. I never put that in the box for reason for transfers .. I put good groceries ciggs n soda.ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
on XX/XX/XXXX I received the form from Navient to begin the process of canceling the student loan debt from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX that I am the co-signer for and currently the one paying the loan following a judgement that was filed in XXXX of XXXX. The company sent the form which I submitted along with copies of legal documents in XXXX of XXXX. I am unable to confirm receipt of the document as the only address provided to mail them to was a XXXX XXXX XXXX my repeated request for an actual address. Since, I have not heard anything back from the loan servicer. They are refusing to talk to me as I am not the loan originator and only the co-signer. This is not ok, I am the one currently responsible for paying this loan. The loan belonged to my ex-husband who for all I know has already received notice that the loan has been forgiven and I have been paying on it to the attorney 's office who are responsible for collection of the debt. I have also contacted them, who said they won't give me any information. They also told me that if I am part of a previous judgement that this disqualifies the loan cancelation. Which is also not true as my document states if the loan company has any changes to the status I have not defaulted my ability to file a claim. There was never a judgement filed as i hired an attorney at the time to prevent a judgement. In short, I have submitted all of the legal forms and documentation and no one will discuss this with me. I should also mention, that despite me being the responsible party now for payment the account detail that the collection attorneys have is inaccurate and all in my ex-husbands name, although I am the one paying the loan, I have submitted documents over the years and requested this be updated, all ignored. I am planning to hire an attorney at this point which is ridiculous. The loan meets all eligibility criteria, and may have already been cancelled yet they continue to take the payments.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am filing this complaint because Experian has failed to properly respond to my mailed dispute letters requesting verification of certain accounts on my credit report. My personal information was part of a documented data breach, which means I have the legal right to a fair reinvestigation and strict verification to ensure these accounts are actually mine.

Experian either did not respond or sent generic form letters without providing verification, which violates FCRA 15 U.S.C. 1681i ( Reinvestigation Requirements ) and FCRA 15 U.S.C. 1681e ( b ) ( Maximum Accuracy Duty ).

I am requesting that the CFPB : Require Experian to conduct a real reinvestigation.

Require Experian to delete these accounts that were not verified. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX I have been going back and forth for months with Experian and they have ignored my letters several times and at this point these accounts need to be deleted. The next step is a lawsuit because they have been violating my rights and this has been stressful I cant even get approved for housing because of these accounts.

I have attached my letter to Experian, my identification. Tracking number - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
This account was reported as fraudulent. It was removed from my report. The company has re-reported this inaccurate information to 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 non-monetary relief