vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2025, our mortgage XXXX with XXXX XXXX, XXXX. was removed online without authorization or notification to either borrower. There are XXXX homeowners on this loan XXXX XXXX and XXXX XXXX and neither of us canceled or altered the XXXX. 

XXXX XXXX claims that we removed the XXXX, yet they have failed to provide any verified documentation proving that either homeowner made this change. The only item provided was a small, cropped screenshot with no names, loan numbers, timestamps, or other identifying details linking it to our account. 

Additionally, I was never notified by email, phone, or mail about any change or cancellation to XXXX which violates fair notice practices. I am requesting proof of all attempted or completed communications related to this matter, including : Copies of all emails that were allegedly sent to either homeowner Phone logs and records of any attempted contact Any recorded phone conversations or service notes between XXXX XXXX representatives and either borrower regarding this issue Despite our repeated requests for transparency and correction, XXXX XXXX  has refused to acknowledge that neither homeowner removed XXXX  and has denied our request to remove the negative credit reporting that resulted. 

Their representatives have shown poor customer service, dismissing our concerns and failing to provide clear or verifiable documentation. The response provided to us was incomplete and unprofessional. 

This situation has caused unnecessary financial and emotional stress and harm to our credit, even though we consistently made timely payments prior to this unauthorized change. 

We believe XXXX XXXX  handling of this matter violates federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) inaccurate and unverified credit reporting XXXX XXXX XXXX XXXX XXXX XXXX ) unauthorized changes to an electronic payment authorization XXXX Act / XXXX  unfair and deceptive banking practices that harm consumers We are requesting that the CFPB investigate this issue and require XXXX XXXX XXXX XXXX XXXX. Provide complete documentation and audit logs verifying how and by whom the XXXX was removed on XX/XX/2025 XXXX. Provide proof of all communication attempts ( emails, phone calls, letters ) to both homeowners prior to and after the XXXX removal XXXX. Produce any recorded phone conversations or notes related to this incident XXXX. Correct or remove the negative credit reporting caused by this unauthorized change XXXX Review the conduct and customer service handling of this matter for compliance with federal consumer protection standards We are seeking full transparency, accountability, and correction of the harm caused by XXXX  XXXX actions.

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 2025-10-16 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: TX

Complaint narrative:
On XX/XX/year>, our mortgage XXXX with XXXX XXXX, XXXX. was removed online without authorization or notification to either borrower. There are XXXX homeowners on this loan XXXX XXXX and XXXX XXXX and neither of us canceled or altered the XXXX. 

XXXX XXXX claims that we removed the XXXX, yet they have failed to provide any verified documentation proving that either homeowner made this change. The only item provided was a small, cropped screenshot with no names, loan numbers, timestamps, or other identifying details linking it to our account. 

Additionally, I was never notified by email, phone, or mail about any change or cancellation to XXXX which violates fair notice practices. I am requesting proof of all attempted or completed communications related to this matter, including : Copies of all emails that were allegedly sent to either homeowner Phone logs and records of any attempted contact Any recorded phone conversations or service notes between XXXX XXXX  representatives and either borrower regarding this issue Despite our repeated requests for transparency and correction, XXXX Bank has refused to acknowledge that neither homeowner removed AutoPay and has denied our request to remove the negative credit reporting that resulted. 

Their representatives have shown poor customer service, dismissing our concerns and failing to provide clear or verifiable documentation. The response provided to us was incomplete and unprofessional. 

This situation has caused unnecessary financial and emotional stress and harm to our credit, even though we consistently made timely payments prior to this unauthorized change. 

We believe XXXX XXXX  handling of this matter violates federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) inaccurate and unverified credit reporting XXXX XXXX XXXX XXXX XXXX  XXXX ) unauthorized changes to an electronic payment authorization XXXX Act / XXXX  unfair and deceptive banking practices that harm consumers We are requesting that the CFPB investigate this issue and require XXXX XXXX  XXXX XXXX XXXX. Provide complete documentation and audit logs verifying how and by whom the XXXX was removed on XX/XX/year> XXXX. Provide proof of all communication attempts ( emails, phone calls, letters ) to both homeowners prior to and after the XXXX removal XXXX. Produce any recorded phone conversations or notes related to this incident XXXX. Correct or remove the negative credit reporting caused by this unauthorized change XXXX Review the conduct and customer service handling of this matter for compliance with federal consumer protection standards We are seeking full transparency, accountability, and correction of the harm caused by XXXX  XXXX  actions.

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 2025-10-16 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am making this complaint for the second time on this occasion. My grievance with your company was filed XXXX month ago, and in it, I made it clear which accounts were false and which ones were questionable. There are still accounts on my credit report that should not be there when they should not be there.

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 2025-10-16 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that are harming my credit and causing significant emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly concerning and strongly indicates possible identity theft. This ongoing issue is causing significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am seeking help from the CFPB. My rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt XXXX to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact The accounts I've referenced are including the original signed agreement, full account history and verification of your authority to collect -- -- - you MUST cease all collection efforts and remove the information from my credit report! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure " maximum possible accuracy '' of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

Account Number XXXX Account Name EMPOWER FINANCE/FINWISE And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-16 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly concerning and strongly indicates possible identity theft. This ongoing issue is causing significant emotional and financial distress.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
The rules around provisional credit for disputes on debit cards, like the Cash App XXXX XXXX, are governed by a federal regulation in the U.S. called Regulation XXXX ( XXXX XXXX ). 
Here 's a breakdown of the key points regarding provisional credit under XXXX XXXX for XXXX XXXX Transfer ( EFT ) errors, which includes unauthorized or incorrect debit card transactions : XXXX. XXXX XXXX : A financial institution has XXXX business days from receiving the notice of error to complete its investigation. 
XXXX. XXXX XXXX & XXXX XXXX : If the institution can not complete the investigation within those XXXX business days, it can take up to 45 days ( or 90 days in certain cases, such as point-of-sale debit card transactions, foreign transactions, or new accounts ). 
Crucially, to use this extended timeframe ( beyond XXXX business days ), the institution must provisionally credit the consumer 's account in the amount of the alleged error within the initial XXXX business days of receiving the notice. 
In short, based on federal regulation ( XXXX XXXX ) : If the institution takes more than XXXX business days to investigate my dispute, they are generally required to issue a provisional credit within that XXXX window. 
If they resolve the dispute within XXXX business days, they are not required to issue a provisional credit. 
What Cash App 's statement suggests : Cash App 's response ( " XXXX credits aren't guaranteed or automatictimelines can vary ... '' ) is technically correct in that a credit isn't automatic if they can resolve the dispute quickly ( within XXXX business days ). However, if they need the full extended time ( up to XXXX or 90 days ), they are required by Regulation XXXX to issue the provisional credit within XXXX business days. 
My situation : i filed the dispute on XX/XX/XXXX. 
It is now XX/XX/XXXX. 
Counting business days ( XXXX, excluding federal holidays ), the XXXX window has passed by XX/XX/XXXX at latest. 
Since your dispute is " still under review '' after the XXXX period, and they haven't issued provisional credit, they engaged in illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
The amount of XXXX has been stolen from my card, I provided as much proof as I possibly could have this included police reports and CHIME still denied my dispute of all my money! I disputed this 4 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting an investigation into these entries, and if they can not be verified, they should be either corrected or deleted.

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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following accounts appearing on my credit file with your bureau. Under the Fair Credit Reporting Act consumer reporting agencies must ensure that all information is accurate, made with a permissible purpose and with my authorization. If not, you are illegal obligated to remove. Please investigate and remove any inaccurate information that can not be verified. I am requesting you identify which accounts that Nelnet still holds, and which accounts you have transferred/sold. 
It has come to my attention the Nelnet securitizes debts by processing student loans through organizations such as Nelnet XXXXducation Loan Funding Inc. and the Nelnet Student Loan Trust. These securitizes are not guaranteed or insured by Nelnet , Inc itself. 

Debt Validation-Accounts Clarification Status / Nelnet Loan Servicing-Dept of ED Account XXXX XXXX XXXX Account XXXX : XXXX XXXX Reports 20 Accounts XXXX  Reports 20 Accounts XXXXXXXX  Reports 20 Accounts Requested remedy : I am requesting that Nelnet Loan Servicing provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies.

1. Provide proof that this debt was not securitized 2. Identify which accounts you still hold and accounts that have been transferred or sold to Nelnet Education Loan Funding Inc. and the Nelnet Student Loan Trust 3. Please provide with the Prior Student Loan Servicers transfer documents.

4. Please provide me with my current Student Loan Service agreement with Nelnet Inc.

Please complete your reinvestigation within the statutory period and mail an updated copy of my credit report to the address above. I am requesting to be provided with the source, to include contact name and method used to verify your findings. If your investigation finds that any of the above accounts have been transferred, sold, that Nelnet Inc. does not legally own kindly remove them from my file.

Company response to consumer: Closed with explanation