vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : ( There are no inquiries listed for Equifax ) Late Payment Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX  TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. XXXX ( U.S. 2024 ) held no entity is immune from FCRA liability ; and XXXX v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX === INQ === TU : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was given way larger loans than needed without having a financial background at that age to know the real implications. I come from a poor family that I now take care of. This includes my XXXX mom, my XXXX dad, my XXXX kids and my fiancee. They gave me loans that they knew I could never repay. Nor did I actually need that amount for. 

XXXX discharged these loans when they shut down that division but somehow firstmark/XXXX  acquired them without my consent after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report. The items listed below contain inaccuracies and discrepancies that I am requesting be corrected under the Fair Credit Reporting Act ( FCRA ). Please review these items and make the necessary corrections to reflect the accurate information. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Dear Sir/Madam, I am submitting this filing to dispute several accounts on my credit report. Below are the details of the accounts in dispute, separated by bureau Experian, CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENTS XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am filing a complaint regarding multiple inaccuracies on my credit reports that have not been properly corrected. My reports contain : Incorrect and fraudulent addresses that I have never lived at Negative accounts reporting inaccurate or unverified information Multiple unauthorized hard inquiries Failed or incomplete reinvestigations by the credit bureaus These issues are damaging my credit and may indicate mixed-file errors or identity inaccuracies. 

I have disputed these items previously, but the credit bureaus have not provided proper verification or documentation as required under the Fair Credit Reporting Act ( FCRA ). Some items were marked verified without supplying proof, and several inaccurate items remain on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my XXXX XXXX and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem XXXX the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was trying to sell a stroller for {$90.00} on XXXX XXXX. Somebody contacted me interested and said they were out of town and would have their sister pick it up and that they would just go ahead and pay me now they asked if I have cash app or XXXX I told them I had both they prefer to use XXXX and when they try to send through XXXX, they said there was a pending hold and that they needed to send {$500.00} including the XXXX to me and that I would send that XXXX back. The person asked if she could trust me to send back the XXXX. They sent me a link via the email because they had asked for my email to send payment when I open the link it was a link connected to my bank and XXXX enter call support. I called support he was guiding me through trying to make and return this {$500.00}. he asked to screen share to help guide me and lead me to try and pay through XXXX through XXXX XXXX through XXXX, and then through Cash app XXXX was pending for {$500.00} and Cash app was able to guide me to buy XXXX  and sell twice for the amount of about {$470.00}. He asked for my drivers license and scanned front and back and then scanned my face because I was let to believe I had to create a business account in order for the transaction to occur when trying to create a chime account because I didn't have one. I believe he saw my Social Security number when trying to create the account I didn't have my debit card with. and I couldn't complete creating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am on my 4th round of disputes due to the fact that I was involved in a data breach in the credit reporting agency and they refuse to remove the fraudulent information from my credit report. to include, Letter 1 : Personal InformationI Correct Information to Remain : Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Information to Remove : All previous addresses ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) All name variations. Under the Fair Credit Reporting Act ( FCRA 609, 611 ), I request that you investigate and correct these discrepancies. Please provide written confirmation of the corrections. Account Dispute Dispute of Inaccurate/Unverifiable Accounts FCRA 611. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please remove any inaccurate information. Under FCRA 611, you are required to delete information that can not be verified. I am requesting removal of the following hard and soft inquiries from my credit report, as I did not authorize them or they are obsolete : [ 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 ; Experian XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under FCRA 604 ( a ) ( 3 ) and 611 , I request these inquiries be deleted from my credit file .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am on my 4th round of disputes due to the fact that I was involved in a data breach in the credit reporting agency and they refuse to remove the fraudulent information from my credit report. to include, Letter 1 : Personal InformationI Correct Information to Remain : Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Information to Remove : All previous addresses ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) All name variations. Under the Fair Credit Reporting Act ( FCRA 609, 611 ), I request that you investigate and correct these discrepancies. Please provide written confirmation of the corrections. Account Dispute Dispute of Inaccurate/Unverifiable Accounts FCRA 611. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please remove any inaccurate information. Under FCRA 611, you are required to delete information that can not be verified. I am requesting removal of the following hard and soft inquiries from my credit report, as I did not authorize them or they are obsolete : [ 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 ; Experian XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under FCRA 604 ( a ) ( 3 ) and 611 , I request these inquiries be deleted from my credit file .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OR

Complaint narrative:
I want to a XXXX bank and try to open up a bank account, XXXX XXXX  I opened the account they insist me card out to my address, my XXXX XXXX XXXX but didn't I put some restriction on my account, tell me that I need this show of fiscal address, until i won't have no access to the account, which is abnormal, maybe. 
Because they don't have a nationwide view For Customers, that is not a federal policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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 disputing the accuracy of the reporting on this account, which is currently listed as Charged off as bad debt / Closed account. This information is not an accurate reflection of the accounts history or present status. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate, complete, and capable of being fully verified. I am requesting that this account be reinvestigated in accordance with FCRA 611. If the furnisher can not provide verified, accurate, and complete documentation supporting the charge-off notation, I am requesting that the account be deleted from all of my credit reports to ensure compliance with federal reporting 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 non-monetary relief
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: GA

Complaint narrative:
I am currently in the process of selling my home. During this process, the closing attorney informed us that there were two partial claims files with HUD. One in XXXX of XXXX, in the amount of {$18000.00}, and another in XXXX of XXXX, in the amount of {$23000.00} that were tied to the title of the home. We were not able to get the payoff letter from HUD for the {$18000.00} partial that was tied to our address. We were then notified by our mortgage company ( Atlantic Bay Mortgage ) that they mistakenly filed the partial claim with an incomplete and suspended application that should not have been sent. Now they communicated that it will take up to a week for them to send a letter to the closing attorney and that it will take up to 30 days for the title to be updated and for the house to be able to close.

Company response to consumer: Closed with explanation