vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I reserved a room for XXXX XXXX  which was paid for {$89.00} with my XXXX XXXX card at the XXXX XXXX XXXX XXXX, SC ( See attached ).. 

Citi visa also charged me for the same hotel on XXXX XXXX {$96.00} through XXXX. I attempted to contact XXXX via phone, automated per citi visa request, is not happening. ( See attached ). 

I disputed rhe charge with citi visa, provided the documentaion you have and they denied the dispute???? .. 

I called citi XXXX and spoke with dispute escalation depart and they will not credit my account for {$96.00} XXXX??? 

I have also filed a complaint with XXXX for XXXX, since i can not speak to a human on the phone.

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 2025-11-20 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 demand the immediate removal and permanent blocking of these inaccurate and fraudulent bankruptcy listings, which do not belong 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 2025-11-20 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: FL

Complaint narrative:
I HAVE ALREADY DISPUTED THIS ACCOUNT AND THE CREDIT BUREAUS KEEPS POSTING THIS XXXX XXXX ACCOUNT BACK ON MY CREDIT REPORT. I DID NOT AUTHORIZE NOR DO I HAVE THIS ACCOUNT. PLEASE PERMANENTLY REMOVE THIS ACCOUNT AS I DID NOT AUTHORIZE IT!!!!! 

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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authorize anyone to furnish such accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I fully satisfied the balance based on a documented pay-for-delete agreement. The account is still reporting inaccurately, which constitutes : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

FCRA 607 ( b ) CRAs must maintain accurate and complete information.

FCRA 611 I have the right to dispute items that are not accurate.

Because the agency agreed in writing to delete the account in exchange for payment, the continued reporting is both inaccurate and misleading.

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 2025-11-20 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-20 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Failure to Provide Notice or Statements Prior to Reporting Late Payments ( Nelnet ) Dear Consumer Financial Protection Bureau, I am submitting an updated complaint regarding Nelnets handling of my federal student loan account and its reporting of late payments to the credit bureaus without proper notice or statements. My account was in approved deferment from XXXX through XX/XX/year> ; however, Nelnet reported XXXX late payments to XXXX XXXX XXXX XXXX during this time. I did not receive any phone call, letter, or email from Nelnet notifying me that my account was due or past due prior to those reports being made. 
In my previous complaint filed on XX/XX/year>, Nelnet responded that the reporting was accurate. The associated CFPB reference numbers are : - XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Nelnet : XXXX As shown in the attached screenshot from XXXX official website, the statement record confirms XXXX while digital statements exist, I never received phone calls, mailed or emailed billing statements during XXXXXXXX XXXX. Additionally, the portal shows missing months ( XXXX and XX/XX/year> ), which demonstrates a lack of billing or communication before they reported delinquencies. This directly contradicts any claim that Nelnet attempted to contact me regarding payment obligations. 
I request that the CFPB investigate specifically how Nelnet claims to have contacted me before reporting my account as delinquent, and require Nelnet to provide verifiable documentation ( emails, call logs, or mailed correspondence ). If no evidence can be provided, I ask that the XXXX late payment marks from XXXXXXXX XXXX be permanently deleted from all credit bureaus. 
Attached are supporting documents including my Nelnet statement history screenshot, prior CFPB correspondence, and credit report pages. I appreciate your continued assistance in ensuring accuracy and compliance with the Fair Credit Reporting Act and federal student loan servicing regulations. 
Thank you for your time and attention. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am disputing the following accounts reported as " charged off '' and " inquiries '' on my Experian credit report. I believe these accounts contain inaccuracies and request their investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} Inquiries : XXXXXXXX XXXX  Date : XX/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 2025-11-20 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
PHH sent documentation in XX/XX/year> stating my mortgage was behind approximately XXXX payments. My husband and I knew this to not be true, so we pulled all our bank statements, canceled checks, money gram receipts from the end of XXXX up to XXXX of XXXX, traced all money grams receipts, highlighted everything, showed every payment made, XXXX of XXXX, XXXX of XXXX both showed XXXX payments for those months. Submitted all the information to PHH certified. Received correspondence back with a log of payments they stated were applied somehow. Then they told me they had sent payments back ; we were never informed any payments were sent back, we hadn't received any. After check with money gram at XXXX, there were approximately XXXX Payments being there at XXXX for us to pick up. So we went there and picked them up totaling close to XXXX ; we then get mail from a attorney stating PHH were preparing to foreclose on my property. We are still sending in our payments monthly, but PHH is refusing to except them. I spoke with an attorney which in turn spoke with PHH 's attorney ; he says PHH is not refusing our payments, that it has to be money gram ; money gram states, they have no reason to refuse any payments ; they are not sure of what the problem is. I don't understand, I know what PHH is doing is illegal. We are coming to the end of this loan, and I have no intention of losing what we have been paying for in over XXXX yrs.

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 2025-11-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Few months ago I discovered that my XXXX, XXXX and Equifax accounts had been stolen and was being ccontrolled by someone else, which is why I am unable to access my own accountscc. I am grateful to XXXX, which initially trusted me and gave me access to my account. After writing XXXX letters to XXXX  and waiting for months, I was able to tell the difference between the wet and the dry. They only updated my information 4 days ago so that I could manage my XXXX  account. However, with Equifax, we still haven't been able to find a solution, remaining unchanged in favor of the scammer over the real account owner. In my account XXXX fraudulent accounts are shows

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Refusal to accept school misconduct/borrower defense application; improper handling of payments ; financial harm. 

I am filing this complaint because XXXXXXXX XXXX  has refused to accept or process my School Misconduct ( Borrower Defense ) application, even though my school was officially found guilty of fraud by the U.S. government. Under federal law, borrowers have the right to submit a misconduct claim when they were enrolled at a school involved in fraudulent activities. XXXX incorrectly stated that they do not accept these applications, which is inconsistent with federal protections and prevents me from exercising my legal rights. 


I attended a school that was later found guilty of fraud by federal authorities. 

I requested and submitted a School Misconduct / Borrower Defense application to XXXX. 

XXXX refused to accept the application and stated they do not accept these forms, even though federal law requires that lenders review and evaluate claims involving school misconduct. 

Despite making payments, every payment has been applied only to interest, and my principal has not decreased. 

This has caused significant financial hardship, credit damage, and emotional distress. 

XXXX has also refused to temporarily pause payments or offer forbearance during the appeals process, even though this is a standard practice when a borrower is pursuing a misconduct claim. 

Why This Violates Borrower Protections : XXXX refusal to accept or process a legitimate misconduct application effectively blocks me from accessing federally mandated borrower protections. They are also failing to offer reasonable hardship accommodations ( e.g., temporary forbearance ) while my claim is in appeal. 


I am requesting that the CFPB intervene to require XXXX to : Accept and review my School Misconduct / Borrower Defense application as required under federal guidelines.

Place my loan into temporary forbearance while the misconduct claim is being investigated.

Correct the handling of my payments, which have been applied entirely to interest with no reduction to principal.

Stop any negative credit reporting while the matter is in dispute. 


XXXX actions have caused : Severe financial stress Damage to my credit Emotional and mental distress An inability to address the debt caused by a fraudulent school I am requesting CFPBs assistance to ensure XXXX complies with federal borrower protection laws and treats this matter with the seriousness it requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
On or about XXXX I submitted an online dispute of a collection account # XXXX on my Experian Credit report. I requested the company verify the the accuracy of the information and the method of verification with the name address and phone number of the person verifying the accuracy of the information. Experian did not supply me with the requested information

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 2025-11-20 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: NC

Complaint narrative:
This request was sent via USPS mail regarding Identity theft and Debt bondage was also sent during a later date.

I have attached all the documents since I am not able to do any requests on the Myequifax portal for the past XXXX weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
These accounts are not mine. Please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
These accounts are not mine. Please remove them from 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 2025-11-20 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: FL

Complaint narrative:
I am writing to dispute the following items on my Equifax credit report. These items appear to be inaccurately reported, and I believe they may contain violations under the Fair Credit Reporting Act ( FCRA ). Please investigate these accounts and remove any incorrect or incomplete information. 
Accounts in Dispute : Account Name : XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$180.00} Reason for Dispute : This account is reported inaccurately as a collection. The account is disputed, and I do not recall authorizing this charge. It is not correctly categorized under my credit file. 
Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$160.00} Reason for Dispute : The account is reporting incorrectly as charged off ; however, the creditor did not provide any confirmation of the charge-off status. 
Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$520.00} Reason for Dispute : This account is reporting a balance of {$520.00}, which does not match my records. Additionally, I believe this account was opened without my consent or proper authorization, potentially indicating a data breach. 
Alleged Violations under the FCRA : 1. Failure to Report Accurately These accounts appear to contain reporting inaccuracies, such as missing payment history, incorrect balances, and failure to update account status after dispute resolution.

2. Failure to Investigate Properly Under the FCRA, credit bureaus must investigate any disputes in a timely manner. These accounts may not have been adequately reviewed or corrected after disputes were raised, violating the FCRA 's provision for fair investigations.

3. Failure to Maintain Accurate Records The FCRA requires that credit reports contain accurate and complete information. The discrepancies in account balances, dates, and statuses suggest that this requirement has not been met for the accounts listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am filing this CFPB complaint because Equifax is reporting multiple accounts, inquiries, and late payments that appear inaccurate, incomplete, or unverifiable. I request a full reinvestigation under the FCRA. 

XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Status and dates appear inaccurate. 

XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX dispute the accuracy of the charge-off and reporting. 

XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX appears inconsistent. 

Bankruptcy File : XXXX Date : XX/XX/XXXX I dispute the accuracy and require verification from the court. 

I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XXXXXX/XX/XXXX Please provide proof of permissible purpose. 

XXXX XXXX Acct : XXXX Please verify accuracy or remove. 

XXXX XXXX Acct : XXXX Late payment reporting appears inaccurate. 

I request that Equifax conduct a full reinvestigation and remove any unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my fourth formal dispute regarding the persistent reporting of inaccurate and outdated personal information on my credit report. Despite multiple previous attempts to resolve these issues directly, the following items continue to appear in my credit file and are either incorrect, obsolete, or no longer associated with me. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, and 609, I am requesting immediate correction or permanent deletion of these entries. 

Disputed Information : Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment History DEPARTMENT-OF-EDU Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/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 non-monetary relief