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

Complaint narrative:
I am disputing inconsistencies in my credit reports across TransUnion, Experian, and Equifax regarding an auto loan account ending in XXXX. TransUnion shows a 30-day late payment in XX/XX/XXXX while Experian shows an OK status. Experian reports three 30-day late payments in XXXX that TransUnion does not. Equifax is not reporting this account at all, which affects my credit profile. A previous dispute marked resolved still reflects negative marks, despite no resolution from my side. This violates FCRA Sections 607 ( b ) and 611, as the bureaus are not reporting consistent or accurate data. I request immediate correction or deletion of all inaccurate payment entries and uniform reporting across all three bureaus. FCRA Section 611 ( 15 U.S. Code 1681i ) Right to dispute inaccurate information. Bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate or inconsistent information. Also Equifax does not report the auto loan account at all, while TransUnion and Experian do. So FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) States. Accuracy of information. Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request

the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification XXXX. Copy of my social security card I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNK XXXX XXXX CRE XXXX XXXX XXXX XXXX XXXX Incorrect name XXXX, XXXX, M Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-05 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: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : XXXX. 

I have been calling Nelnet for years now, trying to get my loan discharged per the department of Education directions. My last email on XX/XX/XXXX states Nelnet was sent my paperwork and they are to discharge my loan and repay any monies owed ( if applicable ). Nelnet says they didn't get any paperwork and can't help me. Nelnet, has not only, NOT helped me with my loan but they have hung up on me during my calls, and tell me I have to go back the. The dept of education. Which I did and they told me to go back to Nelnet. Finally y, I filed a formal complaint about Nelnet to the department of education and they said someone would be assigned to my case and help me get my loan discharged. They assigned a Nelnet individual who just told me to call Nelnet back .. Again! My loan is now past due and I was instructed not to pay it by the department of education. I am trying to buy a house but this hangs oulver my credit and now showing late payments. Please someone help me fix this. I have been going around in circles for a couple of years now with Nelnet and the department of education and I don't know where else to turn.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inacc
urate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-05 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: FL

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 2025-05-05 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: AZ

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 am filing this complaint against XXXX XXXX XXXX XXXX regarding inaccurate late payment reporting and billing violations on XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ending in XXXX. 

XXXX  has reported late payments on my credit reports ( Experian, Equifax, TransUnion ) for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), and XX/XX/XXXX ( 60 days late ). I dispute these as inaccurate for the following reasons : I was never provided with proper billing statements as required under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). 

I was never given an option to opt in or out of electronic statements, nor was I notified when statements were available. 

Without legally required billing notices, I could not have been properly late, making the late payment reporting invalid. 

I have already disputed this inaccurate reporting directly with XXXX XXXX and with the credit bureaus three times. The account is now closed and paid in full with a XXXX balance, yet these derogatory marks remain on my credit profile, causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 am filing this complaint against XXXX XXXX XXXX XXXX regarding inaccurate late payment reporting and billing violations on XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ending in XXXX. 

XXXX  has reported late payments on my credit reports ( Experian, Equifax, TransUnion ) for the months of XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), and XX/XX/XXXX ( 60 days late ). I dispute these as inaccurate for the following reasons : I was never provided with proper billing statements as required under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). 

I was never given an option to opt in or out of electronic statements, nor was I notified when statements were available. 

Without legally required billing notices, I could not have been properly late, making the late payment reporting invalid. 

I have already disputed this inaccurate reporting directly with XXXX XXXX and with the credit bureaus three times. The account is now closed and paid in full with a XXXX balance, yet these derogatory marks remain on my credit profile, causing ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
In XX/XX/year> I noticed a fraudulent charge on my Goldman Sachs XXXX credit card from the XXXX store in the amount of {$200.00}. I immediately contacted XXXX customer service, and they opened up a dispute. The account is closed now, so I don't have an active XXXX credit card credit. 

The problem is I've opened several disputes however they keep telling me that my charge isn't fraudulent and that I in fact made the charge. They said that because when the charge was made the person knew my address which proved that I charged this product. I explained to them that they are wrong, I didn't charge the product. 

I don't want to do business which anyone who will not protect me when someone commits a fraudulent action towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
All student loans were paid and forgiven nearly 1 year ago, but XXXX has not updated my credit reporting : currently showing an OPEN account with over {$11000.00} still owed.

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 2025-05-05 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: AZ

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-05-05 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: CO

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute the accuracy of the following account information on my Experian credit report under my name. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full reinvestigation of this entry. Due to the Experian data breach and potential compromise of personal data, I am especially concerned about the accuracy and legitimacy of the reported information. 
The account I am disputing is listed as follows : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$56000.00} Please conduct a thorough investigation into this account. If it can not be fully verified and validated according to FCRA standards, I respectfully request that it be deleted from 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Summary ( for CFPB form ) : On Friday, XX/XX/year>, after XXXXXXXX XXXX, I attempted to deposit {$1200.00} cash into a Regions Bank ATM at the XXXX, Florida location. After inserting the money, I took too long to select the next option, and the ATM canceled the transaction and kept my cash without crediting it to my account. 

The following morning, Saturday, XX/XX/XXXX, I contacted Regions and filed a dispute. After waiting a full week with no refund or update, I called again on Friday, XX/XX/year>. I explained the full situation to a banker, who informed me the original dispute may not have been filed correctly. She then manually submitted the dispute the correct way while I was on the phone.

She also told me that it shouldnt take long to resolve and advised me to call back in 48 hours. It has now been three days since that corrected dispute, and I still have not received my {$1200.00} or any clear update. This situation is causing financial stress, and I am requesting immediate resolution and return of my funds.

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 2025-05-05 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: GA

Complaint narrative:
I sent a letter stating on 1/9/2025 I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and I noticed a few accounts that I wanted a little more information on. I am not saying that the reporting is right or wrong. I am just saying that I am not % 100 sure if they are. I have also read up on the Fair Credit Reporting Act where it did say by law, I have right to challenge anything that I am not sure is accurate. Its items on my credit that I am not aware of or companies I never heard of reporting on my credit which lead to me writing this letter.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )?! I have heard that if you can't provide proof, these accounts must be deleted. I am writing to you because I want these accounts deleted If they are not % 100 correct or right. I would love if the company could please check on these allegations and get back with me! I saw on a credit site and board were a lawyer said you have 30 days to complete investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

And on XX/XX/XXXX I sent a letter I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

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