vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
we sent payment though our bank XXXX XXXX sent XX/XX/XXXX they rec XX/XX/XXXX batch # XXXXXXXX XXXX XXXX XXXX cleared our bank on XX/XX/XXXX unable to find so we sent proof from our bank no help. keep telling us to call back and different day. we rec a nasty letter payment was not made so we paid that day and now another payment is due monday. we are told something different every time we call. XXXX is a lot of money for us we always pay early by back is against the wall. please help us

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 2025-07-17 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I made a purchase with XXXX XXXX XXXXXXXX for {$100.00}. I tried to make a return with them, but 2 weeks after they received the item back I still had not received my return. 

I didn't get a response when I inquired by email, so I started a dispute with Citi bank for {$95.00} which would have been my refund amount. Citi bank gave me a conditional credit for that amount. 

After I already started the dispute, XXXX XXXX XXXX finally approved my refund and it showed as pending on my account, then disappeared and never posted as I had gotten the conditional credit from Citi bank. 

On XX/XX/XXXX, I received notice that the dispute was resolved in the merchant 's favor and the conditional credit was reversed. 
I reopened the dispute and showed proof that the item had already been returned. 
On XX/XX/XXXX, I received notification that the dispute was resolved in my favor and the conditional credit would be permanent. 
But my transaction history still shows the reversal of the credit, so I'm still out the original amount I paid. 
Citi is denying this. They are referring to the credit showing on my statements but those are not accurate since the refund from XXXX XXXX XXXXXXXX was reversed and the conditional credit was reversed. 
When I look at my transactions, it shows the original purchase for {$100.00}, the conditional credit for {$95.00} and the conditional credit reversal for {$95.00}, so I'm still out the {$100.00} I originally paid minus {$10.00} return fee. 

I would like Citi to refund me {$95.00}.

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 2025-07-17 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: MD

Complaint narrative:
I am writing to formally report that there is information on my consumer report resulting from identity theft. I did not provide written permission or instructions for these transactions to be included in my report. Therefore, I am requesting that this information be blocked and deleted. My request is not made in error, nor is it based on any material misrepresentation of facts. The identified transactions are unrelated to any activity conducted by me as the consumer.

For the record, I am not a corporation ; I am a consumer reporting identity theft. Please be advised that this is my 2nd attempt at reporting that I am a victim of identity fraud. You continue to send frivolous letters saying Im a credit repair business or something. 
You have violated my federally protected consumer rights. Here is a list of violations : XXXX XXXX Acct # XXXX. Amount- {$610.00} date opened XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amount- {$1200.00}. Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX. Amount- {$2300.00}. Date opened : XX/XX/XXXXXXXX XXXX  Account # XXXX. Amount- {$2500.00}. Date opened : XX/XX/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 2025-07-17 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:
No IRS Form 1099-C Issued : * * Under * * 26 U.S.C. 6050P * *, any cancellation of debt over {$600.00} must be reported to the IRS via Form 1099-C . I have * * not received * * such a form, and no record exists of the creditor filing one.

2. * * Inaccurate Balance Reporting : * * The balance being reported ( {$1000.00} ) * * exceeds the original credit limit * * ( {$700.00} ), which suggests the addition of unauthorized interest, fees, or penalties after charge-off. This * * violates the Fair Credit Reporting Act ( FCRA ) 602 ( A ) * * as it misrepresents my creditworthiness. 



3. * * Failure to Correct After Dispute : * * I previously disputed this account with Experian, yet no proper investigation or correction has occurred, violating * * FCRA 611 * * ( 15 U.S.C. 1681i ).

4. * * Potential FDCPA and UDAAP Violations : * * The continued reporting of a possibly extinguished debt, without proper IRS documentation, may constitute * * unfair and deceptive acts or practices * * ( UDAAP ), and possibly a violation of the * * Fair Debt Collection Practices Act * * if any collection agency is involved.

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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, GA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] To : [ NELNET ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXX, XXXX XXXX ] Subject : Dispute of Inaccurate Student Loan Reporting Account Number : [ XXXX ] To Whom It May Concern : I am writing to formally dispute the inaccurate information being reported on my credit report regarding my student loan account with [ Nelnet ]. The account is being reported as open and delinquent, which is incorrect. 

This account was paid in full and closed on or around [ XX/XX/XXXXXXXX  ]. Despite this, my credit report continues to reflect an open status and a delinquent payment history, which is not accurate and is negatively impacting my credit profile. 

I am requesting the following : 1. A detailed record of the payment history for this account ; 2. Written confirmation of the accounts closure and the final payment date ; 3. An explanation of why the account is currently reported as delinquent and open ; 4. Immediate correction of the credit reporting to accurately reflect that the loan is closed and paid in full, with no outstanding delinquency.

I have also submitted requests to all three major credit bureaus regarding this matter, and I am submitting this letter in an effort to ensure this error is properly addressed and corrected. 

Please complete your investigation and provide me with a written response as required by the Fair Credit Reporting Act ( FCRA ). I would appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXXSubject: Formal Complaint  Willful Violations of FCRA and XXXX XXXX Standards by Comenity BankXXXXTo Whom It May Concern:XXXXI am filing this complaint against Comenity Bank for repeated, willful violations of the Fair Credit Reporting Act (FCRA) and XXXX XXXX reporting standards across three accounts: XXXX XXXX Forever 21XXXX XXXX XXXX XXXX. These violations have resulted in sustained credit suppression, denial of financial opportunities, and emotional distress.XXXX  Summary of Accounts & Violations\nAccount Name\tAccount # (Partial)\tKey ViolationsXXXX XXXXXXXX XXXXContinued reporting XXXX XXXX balance post-charge-off; re-aging; inconsistent comments\XXXX2. Forever 21\XXXXRe-aging; conflicting credit limits; misleading payment history; failure to update post-charge-off\nXXXX XXXX XXXXRe-aging; inconsistent comments; failure to reflect account sale; misleading payment historyXXXX Total Violations Identified\nFCRA  1681e(b)  Failure to maintain accurate and complete information (3 instances)XXXXFCRA  1681s-2(b)  Failure to conduct reasonable reinvestigation (3 instances)XXXXFCRA  605(c)  Unlawful re-aging of charged-off accounts (3 instances)\XXXX XXXX  Guidelines  Inconsistent reporting of account status, credit limits, and comments (3 instances)XXXXFDCPA  805(c)  Continued derogatory reporting after collection ceased (1 instance)\XXXXTotal Violations: 13 distinct breaches across 3 accounts\n\n Supporting Case Law & Precedent for DeletionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court reversed dismissal and allowed FCRA claims to proceed due to failure to investigate and continued reporting of false data.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforced that reputational harm from inaccurate credit reporting constitutes concrete injury under FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate tradeline reinserted and re-aged; ultimately deleted after litigationXXXX XXXX XXXX XXXX Failure to correct inaccuracies led to deletion and damagesXXXX XXXX XXXX XXXX Failure to investigate disputes resulted in deletion and compensation'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'Subject: Formal Complaint  Willful Violations of FCRA and Metro 2 Standards by XXXX XXXX\n\nTo Whom It May Concern:\n\nI am filing this complaint against XXXX XXXX for repeated, willful violations of the Fair Credit Reporting Act (FCRA) and Metro 2 reporting standards across three accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These violations have resulted in sustained credit suppression, denial of financial opportunities, and emotional distress.\n\n Summary of Accounts & Violations\nAccount Name\tAccount # (Partial)\tKey Violations\n1. XXXX XXXX\tContinued reporting of XXXX balance post-charge-off; re-aging; inconsistent comments\n2. XXXX XXXX\tRe-aging; conflicting credit limits; misleading payment history; failure to update post-charge-off\n3. XXXX XXXXRe-aging; inconsistent comments; failure to reflect account sale; misleading payment history\n Total Violations Identified\nFCRA  1681e(b)  Failure to maintain accurate and complete information (3 instances)\n\nFCRA  1681s-2(b)  Failure to conduct reasonable reinvestigation (3 instances)\n\nFCRA  605(c)  Unlawful re-aging of charged-off accounts (3 instances)\n\nMetro 2 Guidelines  Inconsistent reporting of account status, credit limits, and comments (3 instances)\n\nFDCPA  805(c)  Continued derogatory reporting after collection ceased (1 instance)\n\nTotal Violations: 13 distinct breaches across 3 accounts\n\n Supporting Case Law & Precedent for Deletion\nXXXX XXXX XXXX XXXX XXXX XXXX (11th Cir. XXXX) Court reversed dismissal and allowed FCRA claims to proceed due to failure to investigate and continued reporting of false data.\n\nXXXX XXXX XXXX XXXX (U.S. Supreme Court, XXXX) Reinforced that reputational harm from inaccurate credit reporting constitutes concrete injury under FCRA.\n\XXXX XXXX XXXX XXXX XXXX XXXX Case (XXXX XXXX) Inaccurate tradeline reinserted and re-aged; ultimately deleted after litigation.\n\nXXXX XXXX  Settlement (XXXX) Failure to correct inaccuracies led to deletion and damages.\n\nXXXX XXXX Settlement (XXXX) Failure to investigate disputes resulted in deletion and compensation'

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'Subject: Formal Complaint  Willful Violations of FCRA and Metro 2 Standards by XXXX XXXX\n\nTo Whom It May Concern:\n\nI am filing this complaint against XXXX XXXX for repeated, willful violations of the Fair Credit Reporting Act (FCRA) and Metro 2 reporting standards across three accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These violations have resulted in sustained credit suppression, denial of financial opportunities, and emotional distress.\n\n Summary of Accounts & Violations\nAccount Name\tAccount # (Partial)\tKey Violations\n1. XXXX XXXXtContinued reporting of XXXX balance post-charge-off; re-aging; inconsistent comments\n2. XXXX XXXXtRe-aging; conflicting credit limits; misleading payment history; failure to update post-charge-off\n3. XXXX XXXXtRe-aging; inconsistent comments; failure to reflect account sale; misleading payment history\n Total Violations Identified\nFCRA  1681e(b)  Failure to maintain accurate and complete information (3 instances)\n\nFCRA  1681s-2(b)  Failure to conduct reasonable reinvestigation (3 instances)\n\nFCRA  605(c)  Unlawful re-aging of charged-off accounts (3 instances)\n\nMetro 2 Guidelines  Inconsistent reporting of account status, credit limits, and comments (3 instances)\n\nFDCPA  805(c)  Continued derogatory reporting after collection ceased (1 instance)\n\nTotal Violations: 13 distinct breaches across 3 accounts\n\n Supporting Case Law & Precedent for Deletion\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court reversed dismissal and allowed FCRA claims to proceed due to failure to investigate and continued reporting of false data.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforced that reputational harm from inaccurate credit reporting constitutes concrete injury under FCRA.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate tradeline reinserted and re-aged; ultimately deleted after litigation.\n\XXXX XXXX Settlement (XXXX) Failure to correct inaccuracies led to deletion and damages.\n\nXXXX XXXX Settlement (XXXX Failure to investigate disputes resulted in deletion and compensation'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX XXXX  Date XXXX XX/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 2025-07-17 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> 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 inaccurate 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting Equifax to delete the following Inquiries off from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief