vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to dispute a XXXX Bank account reporting on my Equifax credit report that I did not authorize or open. Despite submitting a dispute and supporting identity theft documentation, the account remains on my report. On XX/XX/year>, Equifax updated the payment history of the XXXX Bank account. These updates included altering past payment statuses from current to 30 days late and vice versa which appears to be an attempt to re-age or manipulate the account status. Under 15 U.S. Code 1681i and 1681s-2, the credit bureaus and furnishers must ensure information is accurate and verifiable. Instead of verifying and validating this account or removing it, Equifax modified historical payment data. This creates further harm, confusion, and does not reflect proper debt validation under the FCRA or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NJ

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-06-26 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: TN

Complaint narrative:
In XX/XX/XXXX I received XXXX XXXX XXXX XXXX connected XXXX rating effective XX/XX/XXXX. Nelnet sent me an email asking if I wanted my loan forgiven in XX/XX/XXXX. I responded with yes. My loan balances went to zero 's. The credit reporting agency notified me that my Nelnet balance was paid off. It then notified me later that my XXXX XXXX had changed again. I checked with Nelnet and my balances were reinstated. I called, and they redirected my call to XXXX XXXX. I keep calling every month with no resolution, They know I am eligible, and I am due a refund of payment going back to XX/XX/XXXX. Now I am back in repayment they deducted other {$XXXX} this month. Nelnet keeps saying its a system issue and know when it will be resolved and I have exceeded my XXXX XXXX forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} KIKOFF - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Signed up for XXXX XXXXXXXX XXXX healthcare finance direct was the creditor. Requested cancellation within my XXXX XXXX window on XX/XX/year> via email and phone call with a representative. Was told they would get back to me in XXXX business days with additional information, XXXX never get back to me and then they file bankruptcy. No longer able to even continue treatment. XXXX sells my debt to XXXX  debt collector who called me at XXXX at night and has harassed me for XXXX days now by calling from different numbers and hanging up when I answer and laughing at me when I demand they stop contacting me. Call me at XXXX with the sole purpose to disturb my peace. Email me about debt I should not owe because I cancelled my treatment with smile direct but they did not cancel it properly before going bankrupt and leaving me high and dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is another person with the same name and same date of birth as me, but is using an invalid SSN. I know the SSN is not valid because I had verified it with the SSA and IRS. That Experian Account with a membership ID of XXXX has a user with the invalid SSN of XXXX and it must delete the accounts associated with this invalid SSN XXXX On this Experian Membership Account - It Show all these accounts that need to be removed/ deleted since the information is invalid. The XXXX XXXX with this account is not valid. The SSN this person used is XXXX I have checked with XXXX and IRS and it is NOT Valid, Therefore it must be removed, as it is invalid, inaccurate, and is damaging my credit worthiness. 
My ID if I can attach it here is VALID - SSN XXXX XXXX XX/XX/XXXX. The other profile is affecting my credit worthiness and no one seems to care to fix this issue. Experian is not doing a proper investigation. Equifax has worked on this and they resolved every issue by removing them accordingly. 

Creditor Name 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 Date Opened : XX/XX/XXXX My ask is that you reach out to Experian and XXXX  to have them delete the XXXX Accounts mentioned here. The alternative solution is to reach out to the XXXX companies and demand them to remove the XXXX invalid accounts as they are inaccurate and This tradeline is inaccurate and unverifiable, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ).

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is another person with the same name and same date of birth as me, but is using an invalid SSN. I know the XXXX is not valid because I had verified it with the XXXX and IRS. That XXXX  Account with a membership ID of XXXX has a user with the invalid SSN of XXXX and it must delete the accounts associated with this invalid SSN XXXX On this XXXX  Membership Account - It Show all these accounts that need to be removed/ deleted since the information is invalid. The XXXX XXXX with this account is not valid. The SSN this person used is XXXX I have checked with XXXX and IRS and it is NOT Valid, Therefore it must be removed, as it is invalid, inaccurate, and is damaging my credit worthiness. 
My ID if I can attach it here is VALID - SSN XXXX XXXX XX/XX/XXXX. The other profile is affecting my credit worthiness and no one seems to care to fix this issue. XXXX  is not doing a proper investigation. XXXX  has worked on this and they resolved every issue by removing them accordingly. 

Creditor Name : 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 XXXXXXXX Date Opened : XX/XX/XXXX My ask is that you reach out to XXXX  and Transunion to have them delete the XXXX Accounts mentioned here. The alternative solution is to reach out to the XXXX companies and demand them to remove the XXXX invalid accounts as they are inaccurate and This tradeline is inaccurate and unverifiable, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ).

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 2025-06-26 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-26 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: FL

Complaint narrative:
This is a formal complaint against Experian and XXXX for continuing to report inaccurate and unverifiable information, specifically a XXXX  XXXX XXXX and an incorrect associated address. 

The address being reported in relation to the XXXX  is " XXXX XXXX XXXX '', which is misspelled and does not match the official court documents, which correctly state " XXXX XXXX XXXX. '' This error originates from XXXX, which has repeatedly failed to correct this after multiple disputes. Despite this, Experian continues to report the bankruptcy using XXXX as its source.

This violates multiple provisions under the FCRA : 1681e ( b
) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to perform a reasonable reinvestigation.

1681i ( a ) ( 5 ) Failure to delete information that can not be verified.

This complaint follows several others I have submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all of which document a pattern of misconduct involving : Re-insertion of deleted information without proper notice Use of non-verified or misspelled data sources Continued credit damage despite formal legal demand letters and regulatory complaints

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 2025-06-26 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-26 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Borrower Defense to Repayment Law : Title IV of the Higher Education Act of XXXX Regulations : XXXX XXXX XXXX and XXXX ( Updated in XXXX, XXXX, and XXXX ) Administered by : U.S. Department of Education Law : Higher Education Act ( Title IV ) Who qualifies : Borrowers misled by their school or whose school violated certain laws Forgiveness : Full or partial loan discharge Used For : Schools that falsely advertised job placement rates, accreditation, etc.

My information was falsely given, and was was a part of a lawsuit my student loan was supposed to be removed, and it is still being reported to my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-26 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I visited XXXX XXXX to make a purchase using my credit card, but the transaction was unexpectedly flagged. I immediately contacted the credit card company, provided full identification, and followed all verification steps they requested. Despite this, they refused to clear the transaction or offer assistance. It felt like I was being unfairly discriminated against, as no valid reason was given for the refusal even after confirming my identity and account ownership. I was left without support or resolution, which was both frustrating and disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I purchased a XXXX Honda XXXX XXXX XXXX XXXX XXXX Honda to make my monthly payments to Honda Financial Services, PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), months. XXXX Honda located at, XXXX XXXX XXXX, in XXXX, California. XXXX, and Honda Financial Services, deliberately, and intentionally, failed to report monthly car payments to all three credit bureaus. Causing me to be denied excessively repeatedly for business loans because nee lenders could not see 9 months of cat payments paid to Honda Financial Services. Keeping my XXXX XXXX very low because Honda Financial Services did not report my on time payments that had no long gaps in payment to XXXX XXXX XXXX XXXX XXXX am asking that they are held accountable for this sabotaging of my records and that FBI XXXX XXXX XXXX looks into this thievery by Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXX XXXX  ) ( XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

Company response to consumer: Closed with non-monetary relief