vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Told me I can go online instead of providing the paperwork or documentation that I have asked for and they sent the validation documentation. They said back in XXXX and I never received it to XXXX XXXX XXXX and I was not staying there back in XXXX whenever they sent that paperwork there. 

They said they cant send it back because it wasnt sent back to them. 

I also wanted The exact amount owed & itemized breakdown ( fees, interest ). 
2. The original creditor 's name.

3. Proof they own the debt ( chain of assignment ).

4. Proof they have the legal right/license to collect in your state.

5. A copy of the original signed contract/agreement.

& they refused to send it but told me to go online whenever they are supposed to send it to me due to the fair credit act. Plus with me, not getting the validation letter because I was not residing there at the time. I didnt know what was going on and now theyre trying to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this dispute regarding several inaccuracies on my credit report. Please review the accounts listed below, which contain incorrect reporting for each of the credit bureaus. 

Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I am formally disputing ALL negative, derogatory, and adverse entries being reported by Experian, Equifax, and TransUnion that can not be verified with competent, admissible evidence pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have submitted sworn Affidavits of Truth under penalty of perjury to all three credit reporting agencies demanding full compliance investigations. I am not requesting superficial dispute processes - I am demanding verification with proper documentation including : 1. Full legal name and address of original creditor/furnisher 2. Copies of contracts, applications, or agreements bearing my wet ink signature 3. Documentation of delinquency dates, charge-offs, and any account transfers 4. Method of verification used, including contact information of verifier 5. Complete chain of custody documentation for any debt assignments The credit bureaus are required by 15 U.S.C. 1681i to conduct reasonable reinvestigation and may not rely on automated or superficial verification. Any items that can not be verified with the evidence described above must be deleted immediately. 

Continued reporting of unverified information constitutes willful noncompliance with the FCRA and defamation of character, causing ongoing damage to my credit reputation and financial opportunities.

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 2025-12-18 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
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 2025-12-18 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies and discrepancies in my credit report as provided by the three major credit bureaus. Below are the details of the accounts in dispute, along with the reason for the dispute. 

Charge Off Accounts : 1. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} 2. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} 3. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} 4. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} 5. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} 6. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} 7. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} 8. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK keeps shutting my account and making me go in weekly to show id after and only after i make a deposit, I can not use my XXXX or debit card and when i call they say was locked for voice recognition. This is not the case as i only call after the transaction has been denied. this has been a repeated weekly to monthly thing with them now. causing me financial and emotional distress not to mention lost time from work for having to go in and show ID on weekly basis anymore. I want this resolved ASAP with them and also their managers at XXXX ny location XXXX and XXXX are as rude as ever and should not have that position. no one will give me the number to corporate and my next step of action is filing a civil suit against them as now i feel as am being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
On or about XX/XX/25, XXXX Letter was sent to Equifax Credit Reporting Agency, concerning an alleged debt reported on my credit report. Under the FDCPA, I requested verification of the debt that they claim I owed, despite my numerous attempts via certified mail with no success. No validation or explanation was ever provided to me. Equifax never responded to my letters, and my credit report score is being affected, which is not allowing me to apply for credit. My credit score has dropped insignificantly, which is causing me XXXX  and affecting my XXXX. I am reaching out in efforts to obtain assistance and report this agency, as they have violated my rights under the FDCPA. Thank you for addressing this. I anticipate your response within the 30-day timeframe required by law. 

copies of the above can be provided if needed

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
Movement Mortgage was the servicer of my late mother 's mortgage. She passed away and I was named as the successor. Movement Mortgage acknowledged me as the successor after I sold her home. 

It has been nearly XXXX  months since I sold my mother 's home. My only reason for contacting Movement Mortgage after the sale was to ensure that they mailed me the remaining balance in her escrow account. 

In those 3 months since the sale the have issued the check to my deceased mother on XXXX occasion, and mailed subsequent checks to the wrong address on XXXX other occasions. 

They assigned me a representative to handle my case. I have called him over XXXX times. He has never answered once. He has never called me back. He only communicates via email and days go by between emails. 

I have called the main customer service line over XXXX times. Each time I talk to someone new and have to re-explain the issue. Each time I am assured it will be taken care of, that I'll get a call back, that my matter has been escalated. Nothing ever happens. The company and their customer service practices are broken. They do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I am filing this complaint regarding Experian, TransUnion, and Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts with the assistance and also with a very helpful company that have helped me prepare them and organize the accounts that contain inaccurate, incomplete, and inconsistent information. Despite my disputes, the credit bureaus have failed to properly investigate, correct, or delete the inaccurate reporting and continue to verify the accounts without providing meaningful results.

The bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). They also failed to provide a clear Method of Investigation upon request. Some accounts continue to report conflicting balances, dates, statuses, and charge-off information, even after being disputed multiple times.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding Experian, TransUnion, and Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts with the assistance and also with a very helpful company that have helped me prepare them and organize the accounts that contain inaccurate, incomplete, and inconsistent information. Despite my disputes, the credit bureaus have failed to properly investigate, correct, or delete the inaccurate reporting and continue to verify the accounts without providing meaningful results.

The bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). They also failed to provide a clear Method of Investigation upon request. Some accounts continue to report conflicting balances, dates, statuses, and charge-off information, even after being disputed multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
So, a few weeks ago, I went online to try to log in to my Fifth Third Bank account. I tried to reset my password XXXX times, but it still locked me out. It told me to call XXXX. When I tried to call, I couldn't get through, so I went to the Fifth Third Bank at XXXX XXXX XXXX, XXXX XXXX, Illinois. The lady tells me she could not talk to anyone and that she would try later. She called the next day and told me they needed to speak with me. So on XX/XX/year>, I went back to the same bank, this time talking with a bank representative named XXXX XXXX. Coincidentally, my sons name is XXXX. This is the first sign these were games being played on me by this XXXXXXXX XXXX XXXXXXXX XXXX XXXX. So he calls this number and a foreign person comes on the phone, asking me questions like what phone do I use to get into my online banking account, when I told him an XXXX XXXX, he asked me if I use any other devices on any other phones, which I thought was not necessary. Then he asked me what deposits are coming into my account and how they are being deposited. 
Are they cash or checks, and what was the company 's name that the money is coming from? I thought that wasn't right. My account was closed because I tried to log in and reset my password 3 times, and they locked it. What does it have to do with the deposits and my money and XXXX? He asked me about XXXX and where my money is coming from, and he named the companies. This is totally disrespectful and wrong. I believe its fraud because every time I have money supposed to be deposited into my accounts, they freeze my account, making me have to go through this to speak to someone to get it back. They are also blocking me from getting money that is rightfully mine. I have settlement money from companies like XXXX XXXX XXXX and XXXX, as well as other kinds of settlements, and I have XXXX money coming in from various areas, as well as school money. out of all the money that Im supposed to get, I have never seen any of these deposits put into any of my checking account or XXXX to me at all, but every time money is coming into my account this situation happens every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have experienced repeated and excessive phone calls, along with threats of legal action, which I consider harassing and intimidating. This has been going on for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have reached out to PAYPAL/Synchrony Bank via US MAIL & EMAIL requesting in good faith that they bring my balance to XXXX and close account since ive paid {$1000.00} in dollars in interest since account was closed and credit limit was {$1000.00} so i paid many times what i owed them. Or Please lower my rate to single digits or ill be forced to file bancruptcy. my minimum payment is going to 65 % interest. I can not continue.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
CENTRAL PORTFOLIO CON is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO CON 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXI provided bank statements of thXXXX XXXX payment amounts in detail against Open XXXX XXXX and the debt still appears on my credit report. XXXX                 XXXX XXXX XXXX XXXX XXXX XXXXMy letter was submitted to Open XXXX XXXX on XXXX XXXX XXXX Both companies received payments at different times and they continue to hold my credit report incorrect.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
XXXXI provided bank statements of thXXXX XXXX payment amounts in detail against Open XXXX XXXX and the debt still appears on my credit report. XXXX                 XXXX XXXX XXXX XXXX XXXX XXXXMy letter was submitted to Open XXXX XXXX on XXXX XXXX XXXX Both companies received payments at different times and they continue to hold my credit report incorrect.'

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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