vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX - BAL OWED : {$2200.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 2025-07-01 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: PA

Complaint narrative:
I am disputing a XXXX XXXX collection account ( Account # : XXXX XXXX XXXX XXXX XXXX  ) that TransUnion continues to report as Collection/Chargeoff on my credit report. 

On XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX. I sent a formal debt validation request to them via certified mail on that same day ; XX/XX/year>, invoking my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ). 

As of today, the collector has failed to validate the debt. Despite this, TransUnion has continued to report the account, most recently updated on XX/XX/year>, per my IdentityIQ credit report. This was how I originally found out there was a collections account reporting. 

This violates the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ( b ) ), which requires that a credit bureau remove or correct inaccurate or unverifiable information when notified. 

I am requesting the following : Immediate deletion of the XXXX XXXX collection from my credit file. 

Written confirmation of deletion. 

Compensation for any damages caused by inaccurate reporting.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Needs Attention Overview You have XXXX XXXX left to pay on this loan. 

Balance No Info Highest Balance $ 10000 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time. 

Payment history table, broken down by month J F M A M J J A S O N D XXXX Warning Warning Warning XXXX Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning XXXX Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning XXXX Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Current Warning Late Warning Unknown Warning Derogatory Last payment XXXX XXXX, XXXX Current Payment Status No Info Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured Responsibility Individual Remarks Chapter XXXX bankruptcy Chapter XXXX bankruptcy Times XXXX days late XXXX Closed No Info This account was with XXXX XXXX this account is closed this account showed have never had no activity at all since XXXXwhy is XXXX XXXX Bothering this account This account is not showing closed and it shouldn't have no activity at all period.

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 2025-07-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am writing to dispute items currently listed on my credit report that should have been removed. These accounts were paid with a pay-to-delete agreement, and I fulfilled the payment terms in full. However, they are still showing on my credit report. 

I respectfully request that these items be removed as agreed. Please update the credit bureaus accordingly and provide written confirmation once completed. 

Thank you for your prompt attention to this matter. 

I am also asking that the XXXX XXXX XXXX XXXX be removed as I have sent proof I have never received debt validation from them or orginal debter information

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 2025-07-01 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: FL

Complaint narrative:
Creditor : XXXX XXXX XXXX Account # : XXXX Account Type : Deposit Account Date Opened : XX/XX/XXXXXXXX  Status : Charged off {$160.00} written off Status Updated : XX/XX/XXXXXXXX  Balance Reported : {$160.00} Last Payment Date : XX/XX/XXXX Date Closed : Not clearly stated Summary of Violations : This complaint is being submitted because XXXX XXXX XXXX is reporting a charged-off deposit account with a balance of {$160.00} without providing any proof of liability, proper validation, or legal documentation. I previously disputed this information and received no response, no reinvestigation, and no verification. The account is still being reported inaccurately, violating multiple consumer protection laws. 

Violations : 1. FCRA 609 ( a ) ( 1 ) Failure to validate the account XXXX has not provided a contract, billing statement, or transaction history to support this charge-off. Under FCRA 609 ( a ) ( 1 ), I am entitled to see all documentation that justifies the existence and status of this account. 

2. FCRA 611 ( a ) No reasonable reinvestigation conducted This account was disputed and came back verified without any supporting documentation or explanation. That is a violation of the requirement to conduct a fair and reasonable reinvestigation. 

3. FCRA 1681s-2 ( b ) Furnishing inaccurate and unverifiable data The account is listed as charged off but still reflects a current balance of {$160.00}, creating a conflict. A true charge-off should reflect {$0.00} due to creditor write-off, or a properly updated settlement status. This contradiction is misleading and materially inaccurate.

4. Metro 2 Guidelines Violation Improper charge-off status coding Charge-offs must follow very specific coding practices, especially for deposit accounts. XXXX failure to mark the correct closure date and lack of clear terms or payment history suggests noncompliance with Metro 2 formatting. 

5. Lack of Consumer Statement or Dispute Marking Despite my dispute, no notation was added showing that the account is currently under dispute. That is required under FCRA 611 and Metro 2 compliance standards.

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 2025-07-01 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: FL

Complaint narrative:
I am disputing inaccurate credit reporting and seeking an account review under the federal IDR Account Adjustment program. 

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, and unable to make loan payments or access my account. Upon release, I resumed payments and have continued in good faith. 

I submitted documentation to Nelnet ( affidavit and payment records ) and requested that they review my account under the Department of Educations one-time IDR Adjustment, which allows credit during nonpayment periods such as long-term forbearance or incarceration. 

Nelnet has so far refused to make adjustments or correct my credit reporting, citing my promissory note, but this does not align with current federal policy. I am asking the CFPB to review this matter and help facilitate a proper resolution based on existing Department of Education guidance. 

I am also requesting the removal or correction of any negative credit reporting tied to that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-07-02 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: MD

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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL is falsely reporting on my credit. I have never had any accounts with them. Per my research ALLY FINANCIAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested that the reporting be corrected, as it is inconsistent with the official accounting records provided by XXXX XXXX XXXX to me. 

I have formally requested a detailed report outlining the method used in your investigation process regarding the account listed below. For the record, reliance on E-OSCAR does not satisfy the investigative requirements imposed on credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 

Please provide to me a full e-OSCAR transcript regarding the account.

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 2025-07-02 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: TX

Complaint narrative:
I have requested that the reporting be corrected, as it is inconsistent with the official accounting records provided by XXXX XXXX XXXX to me. 

I have formally requested a detailed report outlining the method used in your investigation process regarding the account listed below. For the record, reliance on E-OSCAR does not satisfy the investigative requirements imposed on credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 

Please provide to me a full e-OSCAR transcript regarding the account.

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 2025-07-02 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: TX

Complaint narrative:
I have requested that the reporting be corrected, as it is inconsistent with the official accounting records provided by XXXX XXXX XXXX to me. 

I have formally requested a detailed report outlining the method used in your investigation process regarding the account listed below. For the record, reliance on E-OSCAR does not satisfy the investigative requirements imposed on credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 

Please provide to me a full e-OSCAR transcript regarding the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding an unfair and unexplained reduction in my credit limit by Chase. My credit limit was previously {$4400.00} and they suddenly reduced it to {$1500.00} without proper notice or justification. I have a solid payment history and have not engaged in any risky financial behavior that would warrant such a drastic cut. 

I contacted Chase multiple times and requested that my limit be restored to the original amount or at least increased to {$4000.00}, but they refused. This reduction negatively affects my credit utilization rate and may damage my credit score. More importantly, this new limit is not remotely enough to cover an upcoming home insurance payment for my father, which I have been using this card to help with. 

I am asking that the CFPB assist in reviewing this matter and request that Chase restore my credit limit to at least {$4000.00}. I believe this was an arbitrary action that has real financial consequences for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am a member of navy federal credit union. And my aunt was also a member. She sent me XXXX dollars member to member transaction. This happened in XXXX of XXXX. And they have a hold on my money my aunt sent me from her account. My aunt lives with me, this is theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to dispute items currently listed on my credit report that should have been removed. These accounts were paid with a pay-to-delete agreement, and I fulfilled the payment terms in full. However, they are still showing on my credit report. 

I respectfully request that these items be removed as agreed. Please update the credit bureaus accordingly and provide written confirmation once completed. 

Thank you for your prompt attention to this matter. 

I am also asking that the XXXX XXXX XXXX XXXX be removed as I have sent proof I have never received debt validation from them or orginal debter information

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
Money lion miss reported a late payment on my credit report. 
today I've noticed the late payment on my report via a XXXX XXXX notation I spoke with money lion they stated over the phone there was no late payment only a misreported deferment and sent an email stating they had indeed received payment. 
This serves as formal legal notice that I am demanding the immediate investigation and removal of the unverified late payment ( s ) reported on my credit file. The reporting of this information violates FCRA 1681s-2 ( a ) ( 1 ) ( B ) and is inaccurate, unverifiable, and damaging to my creditworthiness. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards, you are legally required to conduct a full and complete investigation of my dispute and provide original, time-stamped documentation verifying the accuracy of the reported late payment ( s ). 
Failure to comply within 30 days will result in immediate escalation to federal agencies, including the CFPB, FTC, OCC, and State Attorney Generals Office. Additionally, I will pursue litigation in U.S. federal court under 15 U.S. Code 1681n and 1681o for noncompliance and damages if this dispute is not properly addressed.

Company response to consumer: Closed with non-monetary relief