vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I REQUESTED A PURCHASE AGREEMENT WITH NATIONAL CREDIT ADJUSTERS I ALSO SENT OUT A LETTER FOR METHOD OF VERIFICATION THAT WAS CERTIFIED MAILED TO THEM AND WAS RECIEVED XXXX XXXX BY XXXX XXXX AND THEY HAVE NOT GIVEN ME ANY OF THE INFORMATION REQUESTED ALSO XXXX XXXX PUT THE DATE OF DELIVERY OF THE MAIL AS XX/XX/year> WHICH ALSO IN FACT IS THE INCORRECT DATE WHICH ONLY LEADS ME TO WORRY THE PROPER INVESTIGATION WAS NOT DONE AS THEY ARE UNABLE TO EVEN FURNISH THE CORRECT DATE FOR THE LETTER RECIEVED AND BASED ON THE DATE XXXX XXXX XXXX SIGNED WOULD BE FROM XXXX WELL OVER THE 15 DAY MARK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2025, we contacted Service Finance Company , LLC to make a timely payment in the amount of {$260.00} using the company 's automated system. On XX/XX/2025, Service Finance erroneously charged us twice ( {$260.00} XXXX XXXX XXXX {$530.00} ). We contacted the company on XX/XX/2025 to determine the cause of the charging error and was told they did not know why or how the error occurred. I requested to speak with a supervisor and was told there was not one available and all they could do was submit a ticket for a call back. Needless to say, this is problematic as being unable to identify the cause may result in an additional occurrence. The company offered to send a check to refund a payment. However, unfortunately, the error placed that bank account in overdraft status, resulted in the return of a utility payment, and forced us to incur an overdraft fee. I would also like to note that despite reporting an issue with their online portal and app ( we are unable to access our account, contract, etc. online ), we are still unable our documents and account information online. Instead, we are forced to call their toll-free number and wait on hold for extended periods of time. We trusted this company with our XXXX loan and are strongly considering refinancing with another company given their irresponsible and archaic business practices.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. 2. 3. My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I have tried several times with both the company XXXX XXXX XXXX and the 3 major credit bureaus. Each is saying the other is responsible for the inaccurate reporting on my account. I have settled the account with XXXX XXXX XXXX back in XXXXXXXX XXXX XXXX  which they agreed the account was settled, however, the credit bureaus are reporting a monthly charge off after the payment date and this is inaccurate reporting as the charge off monthly should not be reported after XXXXXXXX XXXX XXXX when I settled the account. According to FCRA guidelines, the re-aging of this inaccurate information is illegal and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I have tried several times with both the company XXXX XXXX XXXX and the 3 major credit bureaus. Each is saying the other is responsible for the inaccurate reporting on my account. I have settled the account with XXXX XXXX XXXX back in XXXXXXXX XXXX XXXX  which they agreed the account was settled, however, the credit bureaus are reporting a monthly charge off after the payment date and this is inaccurate reporting as the charge off monthly should not be reported after XXXXXXXX XXXX XXXX when I settled the account. According to FCRA guidelines, the re-aging of this inaccurate information is illegal and should be corrected.

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 2025-04-14 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: KS

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LEXISNEXIS
State: MD

Complaint narrative:
I requested a copy of my consumer disclosure report from LexisNexis through their online system, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681g. Despite multiple attempts, LexisNexis failed to provide me with valid access to my report.

Instead, they repeatedly sent me expired or non-working links via email. When I attempted to resolve this issue through their customer service phone line, I was unable to reach a live person due to their automated system, which provides no direct option to speak with a representative. This has happened on multiple occasions.

I am concerned this is a violation of my rights under the FCRA, which entitles me to access my full consumer file. The lack of transparency, expired access links, and inability to speak to a representative constitutes a serious barrier to my consumer rights and may be affecting my ability to verify or correct inaccurate information. 


I have saved evidence of emails and expired links.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a Business Checking account opened for my small business with Chase ( Branch is XXXXXXXX XXXX ). There was a many phone calls and demands to visit the branch physically while i'm abroad doing the business KYC ( know your customer ) i mentioned many times when they call i'm traveling for the business and unable to visit the Branch. This became a harassment and threatened to close the account by back office and i said well, we do everything online and please send me an email what informations they need i will provide, Chase XXXXXXXX XXXX Branch refused to do so and demanding me to visit the Branch. Simply this can not be done when someone doing business overseas there is no possibility of leaving everything and travel back to the USA to see the officer of the bank unless it is a " XXXX XXXX XXXX '' situation. I demanded them to stop this harassment and recorded the call and they told me they can not talk to me while i'm recording the call. Recording the call is fully legal and both participants are located in State of Georgia so that is legally permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My personal and financial data was compromised violation FERPA. I request full cancellation of my student loan debt.

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 2025-04-14 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
These items do not belong to me. Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am submitting this complaint regarding a XXXX secured credit card account that is currently being reported by Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times over the past several months, and all three credit bureaus have continued to report false, misleading, and inconsistent information without providing proper validation or correction. Their inaction and negligence are now causing continued damage to my credit profile and financial reputation. 

Key FCRA Violations and Inaccuracies : Illegal Balance Reporting on a Charged-Off Account The account is listed as a charge-off, but each bureau continues to report an outstanding balance of {$250.00} and past due amounts. Once charged off, the account should reflect a {$0.00} balance, as the creditor has written it off as a loss. 
This violates FCRA 623 ( a ) ( 1 ) and is misleading to potential lenders.

Inconsistent and Re-Aged Dates of Activity TransUnion reports the date last active as XX/XX/XXXX Experian reports XX/XX/XXXX Equifax reports XX/XX/XXXX These discrepancies reflect improper re-aging, which extends the life of a negative account in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Metro 2 and Data Formatting Violations Equifax incorrectly reports the credit limit as {$0.00} High credit and balance amounts vary across bureaus Each agency has conflicting charge-off comments ( e.g., canceled by credit grantor, closed due to inactivity, charged off account ) These inconsistencies violate FCRA 607 ( b ) and Metro 2 compliance standards, which require accurate and uniform reporting. 

False Payment History Entries Equifax is reporting perfect " OK '' payments after the alleged charge-off date Experian and TransUnion show CO notations for months, but those are not properly supported by payment data This inconsistency shows poor data integrity and negligent reporting. 

Failure to Provide Documentation Upon Request Despite multiple certified disputes, no bureau or data furnisher has provided validation documentation, such as a signed contract or original terms of the account, which is required by FCRA 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding a XXXX secured credit card account that is currently being reported by Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times over the past several months, and all three credit bureaus have continued to report false, misleading, and inconsistent information without providing proper validation or correction. Their inaction and negligence are now causing continued damage to my credit profile and financial reputation. 

Key FCRA Violations and Inaccuracies : Illegal Balance Reporting on a Charged-Off Account The account is listed as a charge-off, but each bureau continues to report an outstanding balance of {$250.00} and past due amounts. Once charged off, the account should reflect a {$0.00} balance, as the creditor has written it off as a loss. 
This violates FCRA 623 ( a ) ( 1 ) and is misleading to potential lenders.

Inconsistent and Re-Aged Dates of Activity TransUnion reports the date last active as XX/XX/XXXX Experian reports XX/XX/XXXX Equifax reports XX/XX/XXXX These discrepancies reflect improper re-aging, which extends the life of a negative account in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Metro 2 and Data Formatting Violations Equifax incorrectly reports the credit limit as {$0.00} High credit and balance amounts vary across bureaus Each agency has conflicting charge-off comments ( e.g., canceled by credit grantor, closed due to inactivity, charged off account ) These inconsistencies violate FCRA 607 ( b ) and Metro 2 compliance standards, which require accurate and uniform reporting. 

False Payment History Entries Equifax is reporting perfect " OK '' payments after the alleged charge-off date Experian and TransUnion show CO notations for months, but those are not properly supported by payment data This inconsistency shows poor data integrity and negligent reporting. 

Failure to Provide Documentation Upon Request Despite multiple certified disputes, no bureau or data furnisher has provided validation documentation, such as a signed contract or original terms of the account, which is required by FCRA 609 ( a ) ( 1 ) ( A ).

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 2025-04-14 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I have been disputing the XXXX XXXX account listed above with the credit bureaus for several months. Despite my repeated formal written disputes, this account continues to be reported inaccurately, inconsistently, and in violation of the Fair Credit Reporting Act ( FCRA ). The information being reported is not only harmful to my credit profile, but it is also legally non-compliant, and the credit bureaus have failed to properly investigate or correct it.

Specifically : This account is reported as charged off but still shows a balance owed ( {$74.00} ) across all three credit bureaus. Under FCRA 623 ( a ) ( 1 ), this is inaccurate reporting and creates a misleading representation of my financial obligations. 

The account statuses are inconsistent across bureaus : Experian reports the account as Closed TransUnion and Equifax list the status as Derogatory This violates FCRA 607 ( b ), which requires accurate and consistent reporting.

Key dates are conflicting, including Date of Last Activity and Date of Last Payment, which appear to be re-aged across bureausanother violation of FCRA 611 ( a ) ( 5 ) ( B ).

No bureau has provided me with a signed contract or validation of the account, despite multiple disputes. Under FCRA 609 ( a ) ( 1 ) ( A ), I have a right to receive documentation bearing my signature, and under 611 ( a ), unverified accounts must be promptly deleted.

Equifax reports an inaccurate high credit ( {$74.00} ) and a {$0.00} credit limit, which is contradictory and violates Metro 2 reporting standards.

Despite my detailed disputes and lawful requests, this account remains on my report with conflicting, unverifiable, and outdated information.

Company response to consumer: Closed with non-monetary relief