vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I enrolled in XXXX Professional Pilot Program using a Meritize loan. My training was stopped in early XX/XX/XXXX because the school claimed I had no available balance, even though my next disbursement was already scheduled and approved for XX/XX/XXXX. I emailed the finance manager questioning why other students in the same financial situation were allowed to continue, but I was not. No clear explanation was given. The delay in resuming training caused a loss of proficiency and disrupted my progress. I was later expelled by the school in XX/XX/XXXX, after I requested to be trained in an organized way with a clear training plan. I submitted an appeal to the school, but they rejected it with vague arguments. After that, I emailed Meritize requesting support and an investigation, but I never received a reply. Months later, Meritize began reporting late payments and negative marks on my credit report, even though they had received a refund from XXXX of over {$19000.00}. I now have over {$30000.00} in student loan debt for a training I was never allowed to complete. I believe I was unfairly treated and financially harmed by both the school and the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
I am disputing a XXXX XXXX account that is being inaccurately and inconsistently reported across the three credit bureaus. The account has been listed as charged off for over 24 consecutive months without proper updates, which may indicate improper re-aging or failure to update account status as required. 

Additionally, the High Credit amount is reported as {$440.00} on TransUnion but {$0.00} on Experian, and the account does not appear on XXXX  at all or is missing key information. These inconsistencies suggest violations of the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

I submitted written disputes to TransUnion, Experian, and XXXX  on or around [ insert date you mailed or emailed them ], along with documentation including ID, proof of address, and copies of my credit reports highlighting the issues. To date, no meaningful corrections or confirmations have been received. 

I am requesting that the credit bureaus either verify the complete and accurate details of the account with XXXX XXXX or remove the account entirely if it can not be verified within the required timeframe. I also request the removal of any remaining dispute remarks, as the original disputes are no longer active.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: CT

Complaint narrative:
I am disputing a XXXX XXXX account that is being inaccurately and inconsistently reported across the three credit bureaus. The account has been listed as charged off for over 24 consecutive months without proper updates, which may indicate improper re-aging or failure to update account status as required.

Additionally, the High Credit amount is reported as {$440.00} on XXXX  but {$0.00} on XXXX, and the account does not appear on XXXX  at all or is missing key information. These inconsistencies suggest violations of the Fair Credit Reporting Acts requirement for maximum possible accuracy. 

I submitted written disputes to XXXX, XXXX, and XXXX  on or around [ insert date you mailed or emailed them ], along with documentation including ID, proof of address, and copies of my credit reports highlighting the issues. To date, no meaningful corrections or confirmations have been received. 

I am requesting that the credit bureaus either verify the complete and accurate details of the account with XXXX XXXX or remove the account entirely if it can not be verified within the required timeframe. I also request the removal of any remaining dispute remarks, as the original disputes are no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-14 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment Status : Current Late Days : XX/XX/XXXX ( 30 ) DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/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 2025-07-14 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: U.S. BANCORP
State: CA

Complaint narrative:
Company - US Bank XX/XX/year>XXXX  - 3 credit card charges of {$43.00} from XXXX to my US Bank credit card. 

I submitted a dispute with US Bank, and included 1. ) email from XXXX showing this charge was cancelled on their end and that they refunded the charge on their end 2. ) screenshots from 2 customer service reps at XXXX confirming this charge was cancelled on their end and was refunded by XXXX US Bank customer service reps have called me 4 times saying that it seems odd that the dispute team isnt refunding me BUT the dispute team isnt willing to resolve the dispute despite it being extremely clear this should be refunded. SO FRUSTRATING

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 2025-07-14 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: FL

Complaint narrative:
Several accounts have been fraudulently opened in my name and appear on my credit report without my knowledge or authorization. 

I did not open these accounts and have no affiliation with the parties responsible. These fraudulent accounts have negatively impacted my credit and caused me significant distress. I am requesting an immediate investigation and the removal of all unauthorized accounts from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I have hard inquiries from u all on my credit report that I did not put there

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 2025-07-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Inquiries Dispute Request for Investigation and Removal Dear Equifax, I am writing to dispute several unauthorized inquiries listed on my Equifax credit report. These inquiries were not initiated or authorized by me. In accordance with FCRA Sections 604 and 611 ( 15 U.S.C. 1681b & 1681i ), I am formally requesting an investigation and removal of the following entries : Unauthorized Inquiries on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide written confirmation of removal or verification details. If you can not confirm my authorization, these inquiries must be deleted immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Subject : Dispute of Inaccurate Account Reporting Under FCRA XXXX  Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a closed account appearing on my credit report. This account, listed as XXXX XXXX, is showing a non-zero balance of {$20000.00} despite being closed as of XX/XX/year>, as reported on both Equifax and TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2, credit reporting agencies and furnishers are required to : 1. Conduct a reasonable investigation upon receiving a dispute from a consumer.

2. Verify the accuracy of the reported information before placing it on a consumers file.

3. Provide the consumer with details about the methods and sources used to verify the information. 

This account is inaccurately listed as having a balance despite being closed, and no explanation or documentation has been provided to justify this reporting. This is misleading, harms my credit profile, and is a potential violation of my rights under the FCRA. 

Therefore, I am requesting the following : 1. Immediate investigation into the accuracy of this closed account with a balance.

2. Written explanation and documentation of the procedures and methods used to verify this accounts balance and status before it was reported.

3. Removal or correction of the account if the reported information can not be fully verified in compliance with FCRA standards. 

Please respond to this dispute within the 30-day period as required under the FCRA. If no sufficient verification can be provided, this account must be deleted or corrected from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I am filing a formal complaint against ALLY FINCL for reporting a derogatory auto loan account ( ACCOUNT # XXXX ) inaccurately and irresponsibly to all three major credit bureaus ( XXXX, XXXX, XXXX  ). The reported balance of {$49000.00} shows as past due with no monthly payment, yet the account is clearly closed and inactive, reflecting $ 0 monthly payments across all reports. This is a blatant violation of the Fair Credit Reporting Act ( FCRA ) Specifically : 602 ( A ) Right to fair and accurate reporting, 607 ( B ) Obligation to maintain accuracy and correct false information. 611 Duty to investigate disputed information within 30 days. Reporting this same account with identical data to all three credit bureaus while showing it as Derogatory is misleading, inaccurate, and damaging. It falsely inflates my debt-to-income ratio and negatively impacts my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX XXXXXXXX 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 2025-07-14 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: OH

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

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 XX/XX/year> -- {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get this company to update my credit for 3 + years now. I can not log into my account because I keep getting a generic " please try again later ''. They claim that they have a " ticket '' open for my issue but it never gets resolved. My credit report is badly out of date. I am not " clearing cache and cookies " again. If you call them, they will literally just pass the phone around. All I want to do is submit a dispute but as I stated, I never could get into my account. I can not even sign up under a new email!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because the listed companies have failed to comply with federal law after I exercised my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Privacy Act. 
On XX/XX/year>, I sent a formal dispute and opt-out notice to the above-named entities regarding the reporting and collection of several accounts that I do not recognize, authorize, or consent to. These include : XXXX XXXX XXXX reporting a XXXX XXXX collection for {$1100.00} XXXX XXXX XXXX reporting a XXXX  XXXX account for {$470.00} XXXX XXXX XXXX reporting a XXXX XXXX XXXX  debt for {$650.00} XXXX XXXX XXXX reporting an XXXX  account for {$330.00} XXXX XXXX continuing to report a charged-off account re-aged past statutory limits Despite providing written disputes and requesting validation in accordance with 15 U.S.C. 1692g ( b ), and sending an opt-out under the Privacy Act ( 5 U.S.C. 552a ) and FCRA 604, the companies have : Failed to respond within the required 15-day window Continued to report or update derogatory tradelines without proper verification Furnished false and unverifiable data to Experian Ignored all lawful opt-out and identity theft protections under FCRA 605B This is a willful violation of : FCRA 604, 611, 623 FDCPA 805, 809 Privacy Act 552a ( b ) I request the CFPB to : Investigate these violations Order the deletion of inaccurate/unauthorized tradelines Impose sanctions for noncompliance and failure to respond Require the companies to provide a written resolution within 15 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/year> Nelnet XXXX XXXX  XXXX XXXX, NE XXXX Re : Cease and Desist Communication To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all forms of communication with me regarding the alleged student loan debt associated with my name.

Please note that under the FDCPA, continued contact beyond this notice is unlawful and may result in a formal complaint to the Consumer Financial Protection Bureau and other regulatory authorities.

If this debt is being disputed or incorrectly attributed to me, I reserve the right to pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation