vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified information being reported by TransUnion. I have previously disputed these accounts, yet TransUnion continues to report data that has not been properly validated in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute XXXX XXXX Acct # XXXX ( XX/XX/XXXX, {$11000.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$840.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$4600.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$4700.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$1500.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$8900.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$11000.00} ) XXXX XXXX  Acct XXXX XXXX ( XX/XX/XXXX, {$10000.00} ) XXXX  XXXX XXXX Acct # XXXX ( XX/XX/XXXX, {$380.00} ) XXXX XXXX Acct XXXX XXXX ( XX/XX/XXXX, {$8000.00} )

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 2025-12-22 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 submitting this complaint as a consumer who is actively trying to correct and repair my credit file. I have reviewed my Equifax credit report and identified multiple accounts and inquiries that are inaccurate, incomplete, unverifiable, or improperly reported. Despite prior disputes, these items continue to appear without proper investigation. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure maximum possible accuracy and to delete or correct any information that can not be fully verified. 

Charged-Off / Collection Accounts in Dispute ( Equifax ) XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX These accounts are disputed due to inaccurate balances, inconsistent reporting, lack of proper verification, missing contractual documentation, and reporting that does not meet FCRA standards. 

Unauthorized / Improper Inquiries ( Equifax ) Multiple inquiries listed on my Equifax report were not authorized by me and/or lack permissible purpose. These include but are not limited to entries dated between XX/XX/XXXX and XX/XX/XXXX from auto lenders, finance companies, and third-party data furnishers. Any inquiry that can not be proven as authorized must be removed. 

Late Payment Reporting ( Equifax ) XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barkleys closed my case because I did not forward any proofs. I called and spoke to over XXXX different people over XXXX XXXXays. Easily XXXX hours spent trying to get an answer if Barkleys contacted the merchant. Not one single person would answer that question. You have to put in a request for a supervisor to call you back and when they do, they tell you that they want more information and I continually tell them there is no more information its fraud. They insist I send proof. I tell them the only proof is the charge itself thats why it is fraud but Im speaking to the wall. I tell them there is no other proof. That answer is not accepted by barkleys. They want proof and they refuse to contact the merchant requesting proof of authorization. Barkleys is uninterested in following up on fraud claim. Barclays has refused to contact 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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CATHAY BANK
State: SC

Complaint narrative:
I ordered a wire transfer on XXXX thirteenth.From my bank account with discover online banking. 
XXXX sent the funds and got a confirmation from the receiving bank saying the money had gone into the account. 
The money never went into the beneficiary account. 
The beneficiary account sent me a printout of all of their transactions from XX/XX/XXXX through XX/XX/year>. 
My transfer does not show up on their listing as ever arriving in their account. 
I contacted discover bank and asked them to cancel the wire.Because the funds had already left my account.They could not cancel it, but they initiated a recall to the receiving bank. 
The receiving bank has not responded, the recall shows as pending. 
It has been XXXX and XXXX half weeks, and they are still not responding. 
XXXX bank tells me there's nothing more they can do. If the receiving bank does not respond, my beneficiary does not have the funds in their account. We do not know what the receiving bank has done with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : XXXX XXXX XXXX ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : XXXX XXXX. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NV

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 theXXXXre 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 2025-12-22 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet turned off my auto payments without my permission. Due to this, two payments were missed ( XXXX and XX/XX/2025 ). Luckily I pay extra and so there was something going towards the account, but my autodraft payment was not taken or applied. They confirmed that extra payments do not affect autodraft payments so this is not the issue. I noticed this when my checking account balance was higher than expected as was my loan balance. This cost me two months worth of interest on the additional principal that did not come off due to the auto payments not going through. It is not a substantial amount, but could have hurt my credit score for missed payments and if they are doing this to others, they may not have noticed and could be in a bad spot accordingly.

You will see in the attachment that the autodraft of {$110.00} stopped in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

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
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I ordered XXXX cards for there service I was going to change and they where to much so I changed back to what I had never used there service so I should have any bill owed to them I had XXXX XXXX they put my account back where is was with them and got rid of XXXX

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 2025-12-22 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: MD

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal 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 2025-12-22 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Stream Innovations Inc.
State: TX

Complaint narrative:
This complaint concerns a solar/home improvement loan with inaccurate Truth in Lending Act ( TILA ) disclosures and undisclosed financing fees. 
We financed a windows, solar, and attic project through POWER not aware of a third party billing. We believed the total project cost was {$84000.00}, and we were led to think financing was done directly through the company that installed the work. At no point before signing were we told about a third-party lender, the {$79000.00} financing fee, or daily finance charges. 
After installation, we received XXXX emails from Stream stating that the original TILA disclosure was incorrect. The original loan agreement listed an APR of 4.99 %, and the updated emails said the XXXX is now 4.75 %. We did not request this change, and no explanation was provided about why the original disclosure was inaccurate. 
Additionally, my husband called a company representative who said : Well, you can pay it off today if you like. 
There is a daily financing fee, but he could not provide the amount. 
We feel misled, confused, and financially harmed. We are requesting a full review of Streams loan terms, finance charges, XXXX accuracy, and compliance with federal law. We want clarification, correction of any errors, and relief for undisclosed or misrepresented charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-22 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: MA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief