vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my TransUnion consumer credit file. Despite TransUnions obligations under the Fair Credit Reporting Act to maintain accurate records and to conduct a reasonable reinvestigation, my report continues to reflect information that is incorrect, does not belong to me, or can not be properly verified. 

TransUnion is currently reporting the address XXXX XXXX XXXX, XXXX, XXXX  XXXX, NY XXXX, which is not my address. I have no knowledge of this address, I have never resided there, and it has no association with me whatsoever. Its presence on my credit file is inaccurate and must be permanently deleted. 

TransUnion is reporting the account XXXX XXXX XXXX XXXX  with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history being reported. This account is being reported with information that is incorrect and does not accurately reflect my payment history. TransUnion must conduct a proper reinvestigation and correct any inaccurate late payment reporting. 

TransUnion is also reporting the account XXXX XXXX XXXX XXXX as a charge-off with a date opened of XX/XX/XXXX. I have no knowledge of this account, I do not recognize it as mine, and TransUnion has failed to provide proper verification establishing that this account belongs to me. This account must be fully investigated and either corrected or removed if it can not be verified. 

Additionally, TransUnion is reporting the account XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history associated with this account. The information being reported is incorrect and must be corrected following a proper reinvestigation. 

TransUnion is further reporting multiple inquiries dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and another inquiry from XXXX XXXX, as well as an inquiry dated XX/XX/XXXX from XXXX XXXX I did not authorize these inquiries, I did not apply for credit with these entities, and TransUnion has not demonstrated that these inquiries were permissible under the Fair Credit Reporting Act. Any inquiry that can not be validated as authorized must be removed. 

I am requesting that the CFPB require TransUnion to conduct a lawful and reasonable reinvestigation of each item referenced above and to delete or correct any information that can not be fully verified. TransUnion must ensure that my credit report reflects only accurate, complete, and verifiable information as required by 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 2025-12-26 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
I dispute this record in its entirety, as it is inaccurate and the result of identity theft and/or other fraudulent activity. After a careful review of the information reported, I can state with certainty that I was not involved in the events or transactions described. The use of my personal identifying information in this matter was unauthorized and appears to be fraudulent. I have taken, and will continue to take, appropriate steps to address this matter with the relevant authorities, including the filing of an identity theft report. I respectfully request your prompt assistance in investigating this matter and removing this fraudulent record from any public or consumer reporting files in which it appears.

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 2025-12-26 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: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00} XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
The fair and appropriate resolution for this matter is the complete deletion of this account from my credit report. This account is inaccurate, unauthorized, and not properly verified, and therefore should not remain on file under the Fair Credit Reporting Act. Since the information being reported is harmful, misleading, and does not meet federal standards for accuracy and verification, the only acceptable outcome is permanent removal of late payments on all accounts reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am filing a complaint regarding an auto repossession account that was resolved, yet it is still reporting a deficiency balance on my credit report. 

The continued reporting of a deficiency balance is inaccurate and misleading. 
Because the account is reporting incorrect information, it should not be reported at all. 

I am requesting that this account be removed from my credit report entirely, as it does not accurately reflect my financial obligation and is negatively impacting my credit based on erroneous 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 2025-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan servicer, Nelnet, engaged in deceptive and misleading practices related to COVID-era payment refunds, resulting in unauthorized reinstatement of a loan I had already paid in full. 

On XX/XX/year>, I contacted Nelnet after being told payments made during COVID would be returned. On a recorded call, a Nelnet representative explicitly told me I would NOT be required to pay the money back and that this was NOT a loan. The transaction was framed as a repayment, not a reinstatement of debt.

I did not request a loan, did not consent to reinstatement of debt, and relied on the servicers statements. Had I been properly informed, I would never have accepted the funds. Nelnet initiated the refund without informed consent and failed to disclose that this would recreate a loan obligation.

As a result, Nelnet reinstated a {$17000.00} balance, sent the account into collections, and inaccurately reported my loan status to Federal Student Aid.
FSA does not reflect that the loan was previously paid in full, and there is no history of the loan being paid. I have documented proof those loans were paid.

I believe this constitutes misrepresentation, unauthorized account action, and unfair servicing practices. I am requesting full correction of my account, removal of the reinstated balance, correction of reporting to FSA, and production of call recordings and authorization records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute one or more credit inquiries that appear on my credit report which I do not recognize or did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information reported on my credit file. I do not recall granting permission for these inquiries, nor do I have any record of initiating applications with the reporting companies.

I respectfully request that you investigate these inquiries and remove any that can not be verified as having been authorized by me. Please provide written confirmation once the investigation is complete and any corrections have been made.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX Date of Birth : XX/XX/year> Last 4 of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX Phone Number : 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 2025-12-26 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: CA

Complaint narrative:
Citi Reference Number : XXXX Product : Credit card Issue : Billing dispute / Chargeback Company : Citibank , N.A . 



Complaint description I am submitting this complaint regarding Citibanks mishandling of my credit card dispute for a XXXX purchase that I never received. 

I disputed this charge under Merchandise / Item Not Received. I never received the item, therefore no return was ever made or possible. 

However, Citibank incorrectly classified my dispute as return not received, and requested proof of a returned item. Because the merchandise was never delivered, I could not provide return documentation. 

Due to this misclassification, Citibank relied on irrelevant merchant claims and denied my chargeback after the response deadline, stating they were out of timeframe. This error prevented my dispute from being properly reviewed under credit card protections for merchandise not received. 

The merchant has not provided valid proof of delivery to me, including no signature confirmation. I contacted the merchant, but they refused to issue a refund or replacement. 

I am requesting that Citibank correct the dispute category to Item Not Received, conduct a supervisor-level review, and issue the appropriate credit in accordance with credit card billing dispute regulations. 

Citibanks failure to correctly process my dispute has caused financial harm and unnecessary frustration.

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 2025-12-26 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their continued reporting on my credit file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable federal and state consumer protection laws.

Pursuant to 15 U.S.C. 1681i, I formally dispute this information and request that you conduct a full and reasonable investigation into these matters. I further demand the prompt correction, blocking, and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate or unverifiable information reported in my name.

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 2025-12-26 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated. 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. EQUIFAX EXPERIAN TRANSUNION 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Evans & Mullinix, PA
State: KS

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Cc : XXXX, XXXX, XXXX  XXXX XXXX XXXX : Dispute and Request for Deletion of Unvalidated Debt XXXX XXXX XXXX Dear CFPB and Concerned Parties, I am filing a formal dispute regarding an alleged debt reported by XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX  under my name, XXXX XXXX XXXX. 

After careful review, the alleged debt is not properly validated. The documentation provided by XXXX  XXXX XXXX and their legal representatives is insufficient and fails to meet the standards required under the law. 

Key points of dispute and request for deletion : XXXX. Lack of Proper Debt Validation : XXXX  XXXX XXXX has not provided a full accounting of the debt from its origin, nor have they demonstrated that the amount claimed is legally owed. This violates the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inaccurate and Misleading Disclosures : The documents fail to clearly explain the interest calculation and the terms of the debt, which is a violation of the Truth in Lending Act ( TILA ). 
XXXX. Dispute of Unverified Reporting : Since the debt is not properly validated, continuing to report it to XXXX  and XXXX  is a violation of the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting that this unvalidated debt be deleted from my credit reports. 
XXXX. Request for Deletion : Due to the lack of proper validation and the inaccuracies in reporting, I request that this debt be permanently removed from my credit reports with XXXX  and XXXX. 

In summary, XXXX  XXXX XXXX has not met its legal obligations to validate this debt. Until proper validation is provided, this account should not be reported. I ask the CFPB to ensure that XXXX  and XXXX  delete this unvalidated account and that XXXX  XXXX XXXX ceases all improper reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, Kansas

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief