vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second CFPB complaint against TransUnion regarding continued inaccurate and unverified reporting following multiple written disputes since XXXX. TransUnion inaccurately characterized my dispute as a request to block fraudulent information, when I did not file any fraud or identity theft claim ; I submitted formal verification disputes requesting documentary proof of account accuracy. TransUnion admits they relied solely on contacting the creditors and recording the furnishers electronic responses rather than conducting a lawful reinvestigation using original source documentation, which violates FCRA 611 ( a ) ( 1 ). TransUnion failed to provide or disclose any method of verification as required by 611 ( a ) ( 6 ) ( B ) no copies of contracts, billing statements, payment histories, balance calculations, charge-off records, or certified bankruptcy court documents were reviewed or supplied. They also produced no evidence that my full dispute narrative or supporting documentation was forwarded to furnishers, violating 611 ( a ) ( 2 ). Although several accounts were deleted ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) , demonstrating that inaccurate data had been previously reported in violation of 607 ( b ) ( maximum possible accuracy ), TransUnion still claims the U.S. Bankruptcy Court XXXX XXXX record was verified as reported without producing any court-certified proof, and the XXXX  XXXX tradeline remains in active dispute without lawful verification. Reliance on vendor data and automated ACDV responses rather than original record custodians fails under Metro 2 verification standards, which require competent documentary evidence before continued reporting. Because remaining accounts have not been verified through statutorily compliant reinvestigation, continued reporting constitutes violations of FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 2 ), and 611 ( a ) ( 6 ), and under 611 ( a ) ( 5 ) any item that can not be lawfully verified must be permanently deleted and barred from reinsertion absent advance production of full documentary verification.

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 2025-12-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: WA

Complaint narrative:
I entered into a debt relief/settlement services agreement with Consumer Legal Group , P.C . on XX/XX/year>. My total enrolled debt was approximately {$94000.00}, and the total scheduled fee for the program was an excessive {$38000.00}. I have paid approximately {$30000.00} in fees to date.

The company has primarily focused on collecting these fees instead of providing the promised satisfactory service of negotiating or resolving my debts. Funds have gone heavily toward the firm 's fees with little to no meaningful settlement progress or resolution achieved on my debts.

The company failed to provide the services promised, causing financial harm. I believe the high fee structure and collection of fees without results may violate federal regulations ( like the Telemarketing Sales Rule banning advance fees for debt settlement ).

I previously requested a full accounting of fees paid and a detailed progress report on all enrolled debts, but the firm failed to provide a satisfactory resolution. I am seeking a full refund of all fees paid to the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting from Chase Bank on my credit reports with XXXX, XXXX, and XXXX. 

This account was a Chase credit card that has been paid in full and closed with a {$0.00} balance. Despite this, I am being reported late for the months XX/XX/year> through XX/XX/year>, which is negatively impacting my credit standing.

Chase representatives informed me that they do not remove late payments, even after I explained that I experienced a documented unemployment hardship during that period and paid the account in full as soon as I was able.

Additionally : The account was closed and paid, so the reported payment history appears inaccurate.

Chase has not supplied verification of the late payments, which is required under the FCRA.

The bureaus continue to report these late payments despite my disputes.

I requested the procedures Chase used to verify these late marks under FCRA 611 ( a ) ( 7 ) and received no documentation.

I am requesting : A full reinvestigation into the late payments.

Verification from Chase of each late payment as required by the FCRA.

Removal of any late payments that can not be properly verified.

I am asking the CFPB to review this matter, as the incorrect reporting is significantly harming my credit and Chase has not provided proper verification.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
XXXX XXXX XXXX is reporting an XX/XX/XXXX late payment that is false, misleading, and inaccurate under the Fair Credit Reporting Act ( FCRA ).

I have had four years of perfect on-time payments since XXXX, always using XXXX auto-pay system. In XX/XX/XXXX, the auto-pay failed without any notification from XXXX, and I was not aware of the issue until I saw it on my credit monitoring service. The moment I discovered the issue, I paid the balance immediately on the same day, using the official XXXX mobile app. I also paid the following month in advance to keep the account current. 

I contacted XXXX several times asking for an explanation and a proper investigation. Instead, I received only generic denials stating they can not alter my payment history, without addressing the auto-pay failure, my immediate payment, or my long history of perfect payments.

XXXX refused to conduct a reasonable investigation, even after I submitted a Direct Dispute under FCRA 623 ( a ) ( 8 ). Their reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) a furnisher may not report information it knows or should know is inaccurate FCRA 607 ( b ) information must be reported with maximum possible accuracy Legal precedent stating that even technically accurate information must be corrected if it is materially misleading Reporting an unintentional auto-pay failure as a delinquency is misleading and damaging to my credit profile.

I am requesting the CFPBs assistance to require XXXX to properly investigate and remove the XX/XX/XXXX late payment from all credit bureaus.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries do not correspond with any actions I have taken and appear unauthorized. I request a timely review and corrective measures. Attached is documentation for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-02 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-02 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:
I am submitting this complaint because several items listed on my credit reports are inaccurate, outdated, or unverifiable. I have made prior attempts to resolve these directly with the credit bureaus but have not received satisfactory responses. I am requesting the CFPBs assistance in ensuring that the credit reporting agencies conduct proper investigations and correct or remove the disputed information in compliance with the Fair Credit Reporting Act ( FCRA ).

1. Previous Address XXXX XXXX XXXX, XXXX, TX XXXX Dispute : This address is no longer valid and should be removed.

2. Charged-Off Accounts XXXX  XXXX ( Acct # XXXX, XX/XX/XXXX, {$0.00} ) XXXX XXXX XXXX  XXXX ( Acct XXXX XXXX, XX/XX/XXXX, {$7000.00} ) XXXX XXXX ( Acct XXXX XXXX, XX/XX/XXXX, {$730.00} ) XXXX XXXX ( Acct XXXX XXXX, XX/XX/XXXX, {$0.00} ) Dispute : The above accounts are inaccurately reported as charged off. Please provide full verification and supporting documentation. If unverifiable, remove these entries. 

3. Inquiries Multiple inquiries ( including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) Dispute : I did not authorize several of these inquiries, including but not limited to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Please remove all unauthorized or impermissible credit inquiries from my file.

4. Late Payments XXXX XXXX  XXXX XXXX ( various accounts ), XXXX XXXX XXXX, OFFICE OF THE ATTORNEY GENERAL, XXXX XXXX Dispute : These entries contain inaccurate late payment reporting. Please verify all dates and amounts. Any unverifiable information should be corrected or deleted under FCRA guidelines.

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 2025-12-02 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:
I do not have any public records on my report, and I kindly request, with urgency, that these inaccurate details be removed immediately. This is causing me XXXX, and I can not allow it to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am writing to request your assistance in reviewing and resolving issues related to my student loans. I am a XXXX XXXX  working hard to make ends meet, but the burden of my loans has made it increasingly difficult to afford basic living expenses. During the COVID19 emergency pause, I was relieved to have temporary relief. However, when repayment resumed, I noticed that my interest rates had increased, further compounding the financial strain. I am concerned that errors may have occurred during these servicing transitions, and I am requesting a thorough review of my loan history to ensure that no mistakes or improper charges have been made. I am also aware that some of my loan servicers, including Nelnet, have been involved in lawsuits regarding their practices. This raises additional concerns about whether my accounts may have been affected. 
Nelnet - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 DONT KNOW HOW THIS GOT ON MY REPORT THIS IS NOT ME THIS IS DESTROYING MY LIFE AND MY ABILITY TO LIVE. I WAS INSTRUCTED TO WRITE THIS TO REMOVE THESE ACCOUNTS AND INQUIRIES ALSO TO THE CFPB PLEASE TAKE THIS IS OFF ASAP FRADULENT AND UNAUTHORIZED ACCOUNTS AND INQUIRIES. 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 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 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 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 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 2025-12-02 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: NY

Complaint narrative:
I DONT KNOW HOW THIS GOT ON MY REPORT THIS IS NOT ME THIS IS DESTROYING MY LIFE AND MY ABILITY TO LIVE. I WAS INSTRUCTED TO WRITE THIS TO REMOVE THESE ACCOUNTS AND INQUIRIES ALSO TO THE CFPB PLEASE TAKE THIS IS OFF ASAP FRADULENT AND UNAUTHORIZED ACCOUNTS AND INQUIRIES. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am a consumer reviewing my Experian report, and I found several entries that are inaccurate or incomplete. Under FCRA 611, I am requesting that Experian conduct a reinvestigation and provide proper verification, or permanently remove any item that can not be validated.

Charged-Off Accounts in Dispute XXXX XXXX  , Acct # : XXXX, Opened : XX/XX/XXXX, Balance : {$320.00} XXXX, Acct # : XXXX, Opened : XX/XX/XXXX, Balance : {$730.00} XXXX, Acct # : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiry in Dispute XXXX, Date : XX/XX/XXXX Late Payments in Dispute XXXX  XXXX, Acct # : XXXX XXXX  XXXX, Acct # : 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 2025-12-02 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:
I am filing this complaint because Experian is reporting several accounts inaccurately or in a manner that can not be verified. The following accounts should be investigated, corrected, or deleted in accordance with the Fair Credit Reporting Act ( FCRA ) : Charged Off / Collections 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 XXXX XXXX XXXX XXXX XXXX XXXX ( multiple dates/entries ) 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 XXXX XXXX AND XXXX XXXX XXXXXXXX Many of these accounts appear duplicated, unverifiable, or are reporting incorrect balances, open dates, or statuses.

2. Inaccurate Inquiries I am also disputing multiple hard inquiries that I did not authorize, as listed below. These inquiries are causing harm to my credit profile and should be removed if consent can not be verified : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

3. Late Payment Reporting Errors Please verify and correct or remove the following accounts showing late payments, as the reported delinquencies are inaccurate : 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 2025-12-02 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: GA

Complaint narrative:
On XX/XX/year>, I sent a USPS Certified Mail Debt validation letter to XXXX XXXX XXXX XXXX regarding a derogatory account being reported by XXXX XXXX XXXX. XXXX  received my letter on XXXX signed by a company representative. in the letter I requested debt validation, proof of legal contractual obligation with my wet ink signature, full accounting ledger on the account, and, chain of assignment, transfer, or sale within 30 days per FCRA compliance requirements. As of today 's date XX/XX/year>, I have not received the validation of debt I requested, and the derogatory item is still being reported on my credit file.

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 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
This is between the XXXX XXXX and Cash App. I attempted to make a purchase at the XXXX XXXX and there was numerous transactions on my account for the same amount and there was never a confirmation on The XXXX XXXX end. No receipt printed out at the store. No merchandise was purchased because of this. Cash App was contacted and has stuck by there side that this has processed to the XXXX XXXX. They told me to dispute it and I did showing the documents I got from the store and emails from the corporate office. My dispute was denied and I appealed it but they also denied that. So you mean to tell me that {$810.00} just went to outer space then? They have been difficult to talk to and have no professionalism. I have my statements that easily show my side and all the documentation from both companies but Cash App does not want to give me back my funds. They are a XXXX XXXX  XXXX and also says XXXX XXXX on there App. So I would just like my money back and this has been stressful and also has messed me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because the accounts shown arent mine. I didnt approve them, so Im asking for a review and removal. Supporting evidence is enclosed.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
Everytime I attempt to use this credit card, it declines and fraud locks. I've responded to text message alerts that all the charges are valid, then tried the charge again and it fails over and over. I tried calling customer service to have them unlock the card and it still declines even with them on the phone. I've also tried talking to the fraud department and they are of no help in getting the card to work either.

Company response to consumer: Closed with non-monetary relief