vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal FCRA Dispute XXXX XXXX XXXX I am disputing the reporting of the XXXX XXXX XXXX account. This account is closed but continues to show multiple late payments and derogatory history. The account status is misleading and inaccurate. 
Violations FCRA 602 Accuracy requirement has been violated FCRA 605 Adverse information on a closed account is not allowed to continue reporting FCRA 611 No proper reinvestigation despite prior disputes FCRA 623 Furnisher has failed to correct and continues reporting false data This account must be removed completely from all credit reports. Continued failure will result in civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i have negative reporting on my credit from your company as reported on my credit report and i owe you absolutely nothing please remove all negative reporting from my credit report and all files with negative reporting related to any account this apply too i appreciate your timely manner when dealing with this problem as it has caused me and my family great hardship

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
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>

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I have been calling the company multiple times since XX/XX/year>, to request a XXXX release letter, I was told that I would get the lien release within XXXX days, but it has been more than XXXX weeks now, and no documents have been sent. I called them XXXX more times and every time, they bring up excuses. Once they say we didn't have your address or the right information. But didn't make the effort to call me or email me. On the last call on XX/XX/XXXX they said that the letter has been sent to me in XXXX, but I have not received any letter or document. I am frustrated and don't understand how hard it could be to provide this document. My life is on hold. My car was totaled, and the insurance is not making the payment unless I get my title from XXXX, which I can't do without this document ( payoff letter or XXXX release letter ). I just don't know what else I should do to get my lean release from them. I beg someone to help me because I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: OH

Complaint narrative:
my cash app card XXXX XXXX has been stolen and I need a replacement card and please stop all payments now. A fair resolution would be for her to pay me money for stealing my brand new truck after it took me 28 years to get a license. she has all my banking info and my truck and she XXXX XXXX and treated me like I was some kinda dog. ima good person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
On XX/XX/XXXX, I was notified by my credit reporting agency that my federal student loan had become 90 days delinquent, despite previously being placed in deferment for an unclear period. This caused my credit score to drop from XXXX to XXXX, severely impacting my ability to obtain loans or access other financial opportunities. I initially requested a payment plan, but my account was instead placed into deferment without my clear consent or full understandingat the time, I was under significant personal stress, including being in a fire, which affected my ability to fully process the agreement. 

When I contacted customer service for clarification, I received conflicting information : I was first told the deferment would last one year, then that I needed to call monthly to maintain it, and later that it was every 90 days. These inconsistent instructions directly contributed to the delinquency on my account. Their phone system does not leave voicemails, calls do not appear on caller ID, and given the prevalence of spam and fraudulent calls, I could not reliably identify legitimate communications. When I did speak to representatives in XXXX and XXXX, I received differing guidance. Additionally, letters were often delayed or not received due to fires in our area. 

I have paid approximately 13 % of the loan, yet the balance continues to increase due to high interest and fees. I believe this reflects predatory lending practices that were unclear at the time of signing, which I was effectively pressured into by family without a proper understanding of the terms. 

I also have reason to believe that my loan servicer may have improperly shared or mishandled my personal educational data in violation of FERPA, which could potentially invalidate the reporting of this debt. The combination of misrepresented deferment terms, conflicting instructions, an escalating balance despite payments, and potential mishandling of my data has caused substantial harm to my credit and overall financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I disputed an account from XXXX XXXX XXXX ( original creditor : Synchrony Bank ) with XXXX XXXX XXXX  and directly with them. The account had already been resolved through court settlement, and under XXXX public policy, it should have been deleted within 30 days. 

XXXX failed to delete the account and continues reporting it as open and in collection. XXXX has not followed its policy nor verified the debt properly. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I request : Immediate deletion from all Credit Agencies Written confirmation from XXXX This false reporting has harmed my credit standing and caused distress. I will sue within 30 days if account is not deleted.

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 2025-08-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be remove and deleted company information from TransUnion. Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-28 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate personal information and credit inquiries reported on my credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, TransUnion, Experian, and Equifax is required to ensure the accuracy of all information in my credit file and to remove unverifiable or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX WILLOW XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate personal information and credit inquiries reported on my credit report. These inaccuracies include my name, address, and certain credit inquiries. Under federal law, TransUnion, Experian, and Equifax is required to ensure the accuracy of all information in my credit file and to remove unverifiable or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX WILLOW XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
Ive seen that incorrect accounts are still appearing on my credit report, and they have not been deleted. Due to this, I kindly request that the documents Ive provided be carefully reviewed so I wont have to stress over this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-28 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am submitting this supplemental complaint regarding my XXXX XXXX account ending in XXXX. Synchrony Bank has previously stated that my dispute is closed unless new evidence is provided. 

This submission does not include new evidence, but instead highlights legal and procedural errors in Synchrony Banks handling of my dispute, including : Failure to conduct a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
Enforcement of charges for a materially breached contract, including the {$7100.00} cancellation fee and {$16000.00} upfront payment. 
Enabling unfair and deceptive practices by 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 2025-08-28 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:
these accounts were charge off on the following date XX/XX/XXXX since then the chagre off have been updated every month this is an update in the payment history. a charge off should not include an active payment history.this inaccurate imformation fasley manipulates the staue of limitation. you failed to investigate these accounts properly and your neglect has violated my rights i am demanding a delete of my following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX {$1600.00}

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 explanation