vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a small business checking account with Bank of America, it is established and has been having constant deposits since the opening last year. It has always been in good standing. I started depositing checks from clients and every single check is put on a 7 day hold a day or two after I deposit it. This has applied to checks from many different banks, checks in atm or mobile deposit and even in person deposit. 7 day holds on every single check deposited in accounts in good standing is completely unreasonable. Yesterday was the last straw after being denied service at the XXXX branch in AZ last week but witnessed a XXXX couple with out an appointment be attended a week ago and going to the XXXX and XXXX XXXX XXXX and being questioned as to why I have such a large check as if I am not capable of earnings this size. And another one of my checks being put on a seven day hold, I have had it.

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 monetary relief
Consumer complaint received 2025-03-15 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dispute of Unknown Addresses & Request for Preventative Measures Dear ExperianXXXX, I recently reviewed my credit report and noticed three addresses that I do not recognize. Please remove any negative impact that these addresses have added to my report/credit history : 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 2025-03-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-15 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: NY

Complaint narrative:
Below is a summary of the fraudulent accounts on 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

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 2025-03-15 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Years ago, I applied for a line of credit to improve my credit without getting a credit card. I got denied ; in that same year Navy Federal Credit Union were under fire for discrimination against their XXXX customers. I thought they had a good reason at the time to deny me credit so I have been working on it. This year my fianc car got repoed and we went to get a used car at XXXX in XXXX, OH. We were approved and told our monthly payment would be {$610.00}. I told my fianc let 's go to Navy Federal since their rates are lower and could get a lower payment. Now we were already approved for a {$18000.00} car with a {$600.00} note. I wanted to save as much money as possible. When I reached out yesterday for a loan on the app, I was denied again. I asked for {$22000.00} and it came up with a {$350.00} - $ 460 monthly note. I have been with this bank since XXXX XXXX XXXX XXXX XXXX XXXX the military. How did I get accepted at a civilian place but denied with them and they have a lower payment and interest rates? I've been a faithful customer to them. It could be a coincidence but I think it's something to consider. I went to find my application and it's not there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Letter XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Discover Bank for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau , I am filing this complaint against Discover Bank regarding their inaccurate reporting of a charge-off on my credit report. Despite my previous disputes, Discover has failed to provide valid documentation verifying the accuracy of this negative account. 
Account Information : * Creditor : Discover Bank * Account Number : Ending in XXXX * Charge-Off Date : XX/XX/year> * Amount Reported : {$9100.00} Nature of the Complaint : 1. Failure to Verify Account Information * Under the Fair Credit Reporting Act ( FCRA ), creditors must ensure that the information they report is accurate and verifiable.

* I requested validation of this debt from Discover, but they have failed to provide original signed agreements, payment history, or sufficient documentation proving their claims.

2. Lack of Proper Notification Before Charge-Off * Discover did not provide me with proper notice before reporting this account as a charge-off.

* Under FCRA regulations, creditors must notify consumers before taking such actions.

3. Inconsistent and Potentially Incorrect Reporting * The reported balance, delinquency dates, and payment history do not match my records.

* Discover continues to report disputed information, but they have not provided supporting evidence to confirm its accuracy.

Resolution Sought : 1. Require Discover Bank to provide full verification of the debt, including signed agreements and detailed payment records.

2. If Discover can not verify the accuracy, I request that this charge-off be removed from my credit report immediately.

3. Ensure Discover is compliant with FCRA regulations regarding proper reporting and consumer notification.

I have already disputed this account directly with Discover and the credit bureaus, but they have refused to make corrections. I am now seeking CFPB intervention to hold them accountable.

Supporting Documentation : * Copy of my credit report showing the disputed charge-off.

* Correspondence with Discover Bank rejecting my dispute.

* Proof of my identity ( ID and address verification ). 
Thank you for your assistance. I request a thorough investigation into this matter and a written response regarding any corrective actions taken. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
From the previous complaint XXXX I did not receive documents from the company Regional Finance to change the due date nor receive update steps taken by the company to resolve the issue. I am still being charged the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Nelnet, Inc.
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Consumer Financial Protection Agency I am writing to formally request a review of my student loan records in light of potential FERP violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history. 

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not to information containing highly sensitive personal information about me including Social Security numbers , income data, and an incorrect balance, disbursement error, or fraudulent use of your records in accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping on data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter. If this matter is not resolved, I am prepared to escalate my concerns U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at ( XXXX ) XXXX or XXXX for further discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have several federal student loans via Nelnet that were in good standing as of XX/XX/XXXX. Initially, the account was correctly marked as closed on their credit report. However, in XX/XX/XXXX, Nelnet had changed the status of the account to open and marked it as past due, despite no payments being late or owed. 

Nelent 's error has had a significant impact on my credit score, I immediately contacted Nelnet customer service. I made multiple attempts to resolve the issue : They called customer service several times and were repeatedly told the matter was under review. 
They submitted a formal dispute through both Nelnet and the credit bureaus, providing documentation showing the loan was in current and or paid in full. 
After receiving no resolution, they escalated the issue by trying to speak with a " supervisor '', who assured them it would be corrected but the incorrect reporting remains

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am not liable for this debt, I do not have a contract with XXXX XXXX and they did not provide me with the original contract as i requested. 

They called me and i wasnt comfortable with the phone conversation i read yall response and its crazy that you guys are refusing to respond to a case without this information below. 


My address is XXXX XXXX XXXX, Last four of my social is XXXX XXXX XXXX is my full name, XXXX is my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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 your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

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 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 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
False or misleading representations : Under 15 U.S.C. 1692e, it is unlawful to falsely represent ownership or authority over a debt. Unfair practices : Under 15 U.S.C. 1692f, it is prohibited to attempt to collect any amount not expressly authorized by law or agreement. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. )
and the Rosenthal Fair Debt Collection Practices Act ( California Civil Code 17881788.33 ).

15 U.S.C. 1681s-2 ( b ) **, ( California Civil Code 1788.17 ) and the FDCPA, this debt is time-barred under Californias statute of limitations for debt collection,

Company response to consumer: Closed with non-monetary relief