vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: Sunbit, Inc.
State: DE

Complaint narrative:
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00}. It shows this account was opened on XX/XX/XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. 

Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00}. It shows this account was opened on XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. 

Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00}. It shows this account was opened on XX/XX/XXXX. The account was never opened due to a data breach at TransUnion, Equifax, and Experian. I asked the credit bureaus to remove this account due to inaccuracy. 

Account Name : SUNBIT Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}. It shows this account was opened on XX/XX/XXXX. The account was never opened due to a data breach at XXXX, XXXX, and XXXX. I asked the credit bureaus to remove this account due to inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This complaint is being escalated due to continued failure to investigate under the pretext of identity verification despite full compliance. The repeated delay constitutes noncompliance with 15 U.S.C. 1681i ( a ) and 1681e ( b ). I am requesting immediate correction or deletion of the disputed information and confirmation of the investigation method used.!!!! I have already provided sufficient documentation to reasonably verify my identity, including government-issued identification and proof of address. Continued claims of inability to verify my identity appear to be a delay tactic and a failure to comply with the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681i ( a ), the credit reporting agency is required to conduct a reasonable investigation within the statutory timeframe. I am requesting immediate investigation of the disputed information or deletion if the information can not be verified, along with written confirmation of compliance.

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 2025-12-14 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: NJ

Complaint narrative:
AFFIDAVIT OF FACTS IN SUPPORT OF CREDIT REPORT DISPUTE ( General U.S. Template Modify for Your State ) STATE OF ________new Jersey____ ) COUNTY OF ____XXXX ) I XXXX [ Your Full Legal Name ], being first duly sworn, hereby declare and affirm as follows : I am over the age of XXXX ( XXXX ), competent to testify, and have personal knowledge of the facts stated herein.

I am the consumer referenced in credit reports issued by the following consumer reporting agencies : Equifax Information Services LLC Experian Information Solutions , Inc.

TransUnion LLC I have reviewed my consumer credit reports and have identified certain accounts and/or items that are inaccurate, incomplete, unverifiable, obsolete, or improperly reported, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.

Pursuant to 15 U.S.C. 1681s-2 ( b ) and 1681i, consumer reporting agencies and furnishers of information are required to : Conduct a reasonable investigation upon dispute Verify the accuracy of reported information Delete or correct information that can not be verified I dispute the following items as inaccurate and/or unverifiable ( attach additional pages if necessary ) : Creditor Name : __________ Account Number ( last XXXX ) : XXXX Reason for Dispute : _______________________ Despite my good-faith disputes, certain items continue to be reported without proper verification, causing harm to my credit reputation. 

I affirm that I am not disputing accurate information, but only information that is false, misleading, incomplete, or reported contrary to federal law. 

This affidavit is made in good faith to support my rights under the Fair Credit Reporting Act and applicable law. 

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

FURTHER AFFIANT XXXX XXXX ______________________________ [ Your Full Legal Name ] Date : XXXX Subscribed and sworn before me this XXXX day of XXXXXXXX XXXX 

______________________________ Notary Public My Commission Expires : _________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: IL

Complaint narrative:
Multiple inaccurate accounts have been reporting to my credit file without my knowledge

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 2025-12-14 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: IL

Complaint narrative:
Multiple inaccurate accounts have been reporting to my credit file without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Webster bank is holding a lien against my property because of annual fees that they promised to review for refund in XXXX of XXXX on a heloc that has had a XXXX balance for years. They said that my request was under review in On XX/XX/XXXX I requested that Webster bank refund annual fees on an inactive loan account. In XXXX of XXXX Webster bank notified me that I could not borrow against my heloc due to my changed financial status. This was never explained, but I was not in need of borrowing and asked them to close my account. They said Id have to pay an early close penalty, but I stated that I shouldnt have to pay a fee for a line of credit that was not available to me. I closed my ( loan required ) checking account. 
Webster continued charging fees for 3 years that I did not know about, not receiving paper statements. 
This year I changed my homeowners policy provider, paying my policy upfront and in good time. Webster bank sent me a letter stating that my house was uninsured and they paid for a new policy! I proved that I had paid my insurance via email and asked why they were taking such action on a closed heloc. They stated it was due to the annual fees ( but they did credit my account for the new policy they established in error ). 
I emailed their loan ops on XX/XX/XXXX asking them to refund the annual fees and send me an updated statement. They said it was under review. Ive not heard back. I need to sell my home and Webster bank is holding a lien on it. I previously filed a complaint when I applied for this heloc because they rejected my application for an invalid reason. There are more problematic details, but Ill not share at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I am a co-signer on an auto loan with American Honda Finance. The loan was refinanced and paid in full on XX/XX/year>. 

American Honda Finance continues to incorrectly report the account as open with a balance to XXXX, despite providing a paid-in-full letter dated XX/XX/year> confirming the payoff. 

XXXX  and XXXX  correctly show the account as closed. XXXX does not. 

This inaccurate reporting is harming my credit and violates the Fair Credit Reporting Act. I am requesting the account be updated to paid/closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

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 2025-12-14 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-14 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding a charged-off account that resulted from a servicing transfer between companies. During the transition, I was not clearly notified of changes in servicing or reporting status, and as a result, the account fell behind unintentionally. 

The account was subsequently charged off and reported in a manner that I believe is unfair and incomplete given the circumstances of the servicer change. I contacted the company to resolve the balance and requested a goodwill review or adjustment, but my request was denied at the call-center level without escalation. 

I am prepared to resolve this account immediately and am requesting a goodwill adjustment and removal of the charge-off from my credit report due to the servicing transition and lack of clear notice. This item is currently causing significant hardship by preventing me from securing housing/financing. 

I am requesting that the company conduct an executive-level review of this account, including the accuracy of reporting dates, notification procedures during the transfer, and whether a goodwill adjustment is appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am continuously getting harassed by LVNV Funding trying to collect a debt that they can not even verify or prove is mine.

Note, the address associated with this debt has never been addressed associated with me. I do not recognize the address mentioned on the debt collection.

I requested validation of debit and never received any documentation to prove the debit is mine.

The debt they claim is mine is nearly SEVEN years old. What is the statute of limitations? 

Why can a company harass me for payment without proof of a debt? 

How and why is the government allowing such a shady and scammy business to operate. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed an earlier complaint with this bureau against Wells Fargo for charging my credit card for checking account overdrafts without written permission to do so. I was informed the issue was resolved ; however, the company never provided the written permission I supposedly gave for this institution to link my bank and credit card accounts. They simply said this permission was given on a XXXX XXXX, XXXX  application without presenting that paperwork. I maintain NO PERMISSION WAS EVER GIVEN. 
The company is lying when it claims the Wells Fargo XXXX Card ending in XXXX was " linked as a secondary overdraft protection '' to the checking account ending in XXXX on XX/XX/year> during the original application. IT WAS NOT LINKED BY ME. They may have linked it arbitrarily and on their own. However, I never gave written permission for my credit card to be linked to my checking account and Wells Fargo never provided PROOF that I did.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX has illegally maintained and used my credit card information after I formally requested and was promised in writing that they would no longer store my credit card information. They have subsequently continued to use the credit card information fraudulently, still illegally storing it, on a monthly recurring basis for a cancelled membership charging {$89.00} to my credit card every month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025. I reported each instance to Chase, who has done nothing to assist me other than refund the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under 15 U.S. Code 1605 ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
TransUnion is reporting a missed/derogatory payment for XX/XX/year> on my XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ). This is inaccurate/incomplete because XXXX confirmed in writing on XX/XX/year> that the missed XX/XX/year> payment was deferred to the end of the loan and that my account was current. XXXX payment history also shows an internal EXTENSION entry consistent with that deferment. I am requesting TransUnion reinvestigate and correct/remove the XX/XX/year> derogatory status and update my file accordingl

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation