vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
In XX/XX/year>2025 I submitted my full identity-theft documentation package, including my FTC Identity Theft Report, government ID, proof of address, and supporting evidence, under 15 U.S.C. XXXX ( Block of Information Resulting from Identity Theft ). 

XX/XX/XXXXXXXX XXXX XXXX reviewed the same documentation and deleted every disputed account from my credit file, confirming the data was unverifiable and reported in violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 

TransUnion received the identical package but has not deleted XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only reply I received referenced XXXX XXXX without providing any verification documentation or reinvestigation results. 

I am requesting that TransUnion mirror XXXX deletions and remove the same accounts from my credit file. 

Continuing to report these items after confirmed deletion by another nationwide CRA violates FCRA XXXX ( b ) ( maximum possible accuracy ) and XXXX ( a ) ( reasonable reinvestigation ).

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 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Greenlight Financial Technology, Inc
State: TX

Complaint narrative:
On XX/XX/scrub>, 2025, my minor child initiated a {$150.00} transfer inside the Greenlight platform from his Spending account to his Investment account. 

The money left the Spending account but was never credited to the Investment account. The {$150.00} is missing and does not appear in any account. 

I contacted Greenlight support immediately on XX/XX/XXXX and opened Ticket # XXXX. Despite multiple follow-ups over more than XXXX weeks, Greenlight has not returned the money, completed the transfer, or provided any timeline or explanation. Their responses have only stated that they are still looking into it, with no resolution. 

I attempted escalation through all available channels. I followed up repeatedly in their chat support, called by phone and was told someone would get back to me ( no one did ), and sent a written escalation by email on XX/XX/XXXX, which has received no response at all. Greenlight acknowledged the issue was escalated internally but still has not returned the missing funds. 

Greenlight markets itself as a financial service for minors. Holding customer funds without crediting them to any account or returning them is unacceptable and potentially unlawful. 

I am requesting CFPB assistance to ensure the missing {$150.00} is restored or properly transferred, and that Greenlight provides a written explanation and corrective action plan to ensure this does not happen to other families.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My student loans have been transferred to several different lenders i.e. XXXX XX/XX/XXXX and Mohela, and some of them are reporting they never serviced my loans, and due to my loans being bounced around to numerous lenders my loan amounts are being reported inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act XX/XX/XXXX), 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 2025-10-13 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act XX/XX/XXXX), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/scrub>, 2025, I moved out of my apartment. I received my final move-out statement from the property management company on XX/XX/year>2025, and a refund check was issued on XX/XX/year>2025. This statement did not include any charges for carpet damage or pet-related treatment. 

On XX/XX/XXXX, 2025more than XXXX business days after move-outthe property attempted to retroactively add a {$250.00} charge for carpet subfloor treatment. Under Arizona law ( XXXX. XXXX ( D ) ), landlords must provide final itemized charges within XXXX business days, and no further charges are permitted after that time. 

I formally disputed the charge with the property management, and on XX/XX/scrub> 2025, I received written confirmation that the charge was reversed and my balance was XXXX. 

However, on XX/XX/year>2025, I received a debt collection notice from National Credit Systems attempting to collect the reversed {$250.00} charge. I never owed this debt, and the company had already confirmed in writing that it was cleared. 

I am requesting immediate removal of this collection from my record and a full resolution of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 XXXX  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 2025-10-13 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: IL

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.

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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless, negligent, and willful violations of the Fair Credit Reporting Act ( FCRA ). These agencies continue to publish and verify multiple accounts that are clearly inaccurate, inconsistent, and legally noncompliant. 

The accounts in question are as follows : XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Bank XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Bank XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX Account # ending in XXXX ( Voluntarily Surrendered, Reported XXXX XXXX ) Each credit bureau is reporting different data, dates, and balances for these same accounts. This conflicting information proves a total failure to ensure the maximum possible accuracy required under 15 U.S.C. 1681e ( b ). The precedent XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) established that such discrepancies demonstrate a lack of reasonable procedures and a direct violation of the FCRA. 

Additionally, the furnishers XXXX, XXXX XXXX Bank XXXX, XXXX Card, and XXXX XXXX XXXX have all violated 15 U.S.C. 1681s-2 ( b ). After receiving notice of my disputes, they verified the information without conducting a lawful or reasonable investigation. This is exactly the type of negligent verification condemned in XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The persistence of inconsistent data between bureaus is indisputable proof that no real investigation ever occurred.

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 2025-10-13 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: OH

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 2025-10-13 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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.

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 2025-10-13 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXX/XX/XXXX UNAUTHORIZED COLLECTION - XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for a personal loan in early XXXX and was denied. According to XXXX XXXX, no one should be denied credit or discriminated on. A rep at NFCU told me I applied for the wrong loan and go back within 30 days and apply for the debt consolidation loan. I applied online and called and another rep walked me through and alluded to the fact that I would get the loan but will have to go into the bank to get the check. A day later, I was denied again. NFCU has denied me for a loan to consolidate my credit cards ( XXXX being theirs ) to increase my XXXX XXXX. I believe I am being discriminated against because I have been with NFCU for years and it's been hard to get credit and graduate my secured card. Yet, I hear from other non XXXX Americans they get approved with scores and products lower than mine. I have a direct deposit with NFCU so they know I can pay the monthly loan amount back. I asked to be reconsidered and I am willing to provide any XXXX, pay stubs, etc to heighten my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive found late payment entries on my credit report that I believe are inaccurate. In line with 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and verifiable. I request verification of these entries, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-13 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: CA

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.

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 2025-10-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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