vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate XXXX  information that has been reported on my Experian credit file. I previously submitted a dispute requesting the removal of this incorrect XXXX  entry, but Experian has failed to correct or remove the inaccurate information despite clear evidence proving that the bankruptcy does not belong to me. 

Upon reviewing my records, I discovered that Experian erroneously associated an incorrect address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with my filean address where I have never lived. Additionally, I received letters directly from the XXXX XXXX  XXXX, which confirm that : The XXXX case in XXXX was filed in error, and the court has agreed to update the records to reflect this. 
The court has no record of any XXXX  filing associated with my personal information in their system. 
I have attached copies of : The letter from the XXXX XXXX  XXXX confirming the error. 
The letter from Experian requesting an address update from the court regarding an address I have never lived at. 
Any additional supporting documentation relevant to this dispute. 
Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and remove inaccurate or unverifiable information from my credit file. Given that the bankruptcy information is incorrect and not associated with me, I demand its immediate removal from my credit report. 

Failure to comply with this request may result in further action through the Consumer Financial Protection Bureau ( CFPB ) or legal counsel to enforce my rights under federal law. Please provide written confirmation once the inaccurate information has been removed. 

I appreciate your prompt attention to this matter and expect a resolution within the legally mandated 30-day timeframe.

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 2025-03-01 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-03-01 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-01 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. To rule out a technical glitch, I refreshed my browser, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents Ive submitted so that I wont have to worry about this issue again.

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 2025-03-01 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: NV

Complaint narrative:
I am writing to formally dispute and request an investigation into the accuracy and completeness of the following collection accounts appearing on my credit report : * XXXX. Creditor Name : XXXX XXXX XXXX * Account Number : XXXX * Balance : {$650.00} * * XXXX. Creditor Name : XXXX XXXX XXXX * Account Number : XXXX * Balance : {$650.00} * * XXXX Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX * Balance : {$1100.00} * Comments : Collections/ Charge off profit loss meets requirements for the fair credit reporting act These accounts appear to contain discrepancies that may not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts to verify their accuracy. If any errors are found or if the accounts can not be properly verified, I request their immediate removal from my credit report. 
Please provide me with the results of your investigation, including any supporting documentation used to verify the accounts, within the 30-day timeframe required by law. Additionally, I request that you send me an updated copy of my credit report reflecting any corrections made. 
For your reference, I have attached a copy of my credit report with the disputed accounts highlighted. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Under the FCRA, inaccurate or unverified accounts must be removed. The furnisher failed to provide proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Subject : Formal Complaint Against Equifax Inability to Dispute and Incorrect Credit Reporting To Whom It May Concern, I am filing a formal complaint against Equifax due to its failure to accurately update and report my credit information, as well as its systems inability to allow me to dispute inaccuracies on my credit report.

I have attempted multiple times to dispute incorrect information on my Equifax credit report through their online dispute system, but I hav
e been unable to do so. The issues I am experiencing include : 1. Inability to File Disputes When attempting to dispute items, I am unable to select or submit disputes for any accounts on my credit report. The system does not allow me to initiate a dispute for any of the inaccurate data.

2. Incorrect Balances The reported balances for all my credit accounts are incorrect and do not reflect my actual account balances.

3. Incorrect Last Payment Amounts The last payment amounts displayed on my Equifax credit report are incorrect.

4. Incorrect Credit Limits The sum of my credit limits is inaccurately reported.

5. Lack of Updates Since 2024 None of my accounts have been updated on Equifax since 2024, despite the fact that my creditors continue to report accurate information to XXXX and XXXX. 
6. Discrepancy with Other Credit Bureaus My credit information is correctly reflected on both XXXX and XXXX, which suggests that my creditors are properly reporting my account data, but Equifax is failing to update my records accordingly. 

I am deeply concerned about the impact of these reporting errors on my credit profile and my inability to correct these inaccuracies through Equifaxs dispute process. I request that Equifax be required to : Immediately investigate and update my credit report with the correct balances, credit limits, and payment history as reported by my creditors.

Provide a resolution as to why my credit data has not been updated since 2024 and ensure that my report reflects the most up-to-date information.

Correct any technical issues preventing me from filing disputes through the Equifax dispute portal.

I kindly ask for the CFPBs intervention in this matter, as Equifaxs failure to report accurate information and provide a functioning dispute process is severely affecting my ability to maintain an accurate credit record. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I tried to purchase multiple online items at various stores ( XXXX, XXXX XXXX, XXXX, etc. ) and they all decline this card and I had verified that the full balance is available. It is basically useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I had automatic payments shut off temporarily due to hardships and adding money as needed or using my husband 's account to pay balances as needed. On XXXX, XXXX 2025, despite auto payments being shut off and my next payment not due until XXXX, XXXX 2025. I was charged to my bank for {$35.00} by chase. I did NOT authorize this charge. Automatic payments were and have remained turned off. They payments was not anywhere near due yet. I did not have any cash in the bank it charged to as not only was it not near due, it was not expected, nor did I have any warning before hand it'd happen soon so I could've taken action. As a result, the money pulled from my bank, and then went over drafted. My debit card was locked from this bank ( XXXX  ), and that debit card was attached to another payment I was doing and did have on Automatic payment I got alerts for in advance with a different company. I was unaware of this and my account being over drafted due to XXXX XXXX. As a result, the other company did not get paid and was reported to my credit as delinquent since I received no notifications and was unaware my account had been over drafted until 4 weeks later when I was called for the payment and looked at my banks transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Equifax due to my repeated inability to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain my credit report, yet Equifax has failed to provide me with access despite my numerous attempts. 

I have submitted my identification documentation multiple times as requested, but I have received no response or resolution from Equifax. Their lack of communication and failure to comply with consumer rights have caused significant frustration and prevented me from reviewing my credit information for accuracy and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this second formal complaint regarding LVNV Fundings continued presence on my Experian credit report. Account number XXXX. While XXXX XXXX has verified the account, I am disputing the validity and continued reporting of this collection account. Despite my previous dispute, this account remains on my report, and it is severely impacting my ability to rent a home for my children. Furthermore, Experian has failed to resolve this matter within the legally mandated time frame, violating my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Experian is required to investigate and correct or delete disputed information within 30 days. Since this dispute has exceeded that period, Experian is now in direct violation of this provision. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Since I continue to dispute the accuracy and validity of this account, its continued presence suggests noncompliance with this legal requirement.

Furthermore, under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors, including XXXX XXXX, are prohibited from reporting information they know or should know to be inaccurate. The ongoing reporting of this disputed account without adequate validation of the original debt could be considered a deceptive and unfair practice under 15 U.S.C. 1692f.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I want Equifax and Experian to immediately and permanently delete and remove all fraud alerts from my Equifax and Experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: KY

Complaint narrative:
I sold a car at XXXX XXXX XXXX in XXXX, Ky. He sent the money thru square reader for {$2200.00} on XX/XX/XXXX. Said it should arrive in 5 to 7 business days. They debited XXXX XXXX from my account on XX/XX/XXXX. They took the money from XXXX account that day. 
As of XX/XX/XXXX I have not received any money from them. I would like my money plus any fees incurred from the transfer because it's been longer than 5 to 7 business days. So their failure to fulfill their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, United States XXXX XXXX XX/XX/XXXX Subject : Formal Dispute Regarding Unauthorized Access and Deletion of Student Loan Data Dear CFPB, I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX XXXX XXXX XXXX XXXX  '' ( published XX/XX/XXXX ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( XXXX ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. XXXX explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information. 
Specifically, I request the following : XXXX. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent. 
XXXX. XXXX : Full disclosure of any parties involved in accessing or altering my student loan records, including any XXXX-party entities such as XXXX or affiliated organizations. 
XXXX. Rectification : XXXX correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data. 
XXXX. XXXX XXXX : Assurance that all future handling of my student loan data will comply with XXXX regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within XXXX  days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FPCO ) and pursuing legal remedies as necessary. 
Please contact me at XXXX or my email address to discuss this matter further or to provide updates on the status of your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves. 
Sincerely, XXXX XXXX XXXX : NELNET

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief