vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IA

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by EdFinancial, which appears on my credit report. This negative entry is incorrect and has resulted in a severe drop in my credit score by XXXX points, despite the fact that I was not properly notified and was still eligible for deferment at the time of the alleged delinquency. 

On Monday, XX/XX/year>, I contacted EdFinancial regarding this matter. A representative informed me that this reporting was an error and that my account should have remained in deferment. Initially, I was told the issue could be resolved by retroactively correcting the reporting, and that the late payment would be removed. However, XX/XX/XXXX I was later informed that this correction could no longer be made, which contradicts the original resolution I was given. 

To date, I have not received any 30-day or 60-day late notices, nor any formal notification that repayment had begun. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. Reporting this late paymentwhen I was eligible for deferment and not properly notifiedis both inaccurate and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: WA

Complaint narrative:
A person took over my Experian account. I have followed their protocol to try to reset it. That was over 3 months ago. They have acknowledged receipt of my letter but not actually reset my account. This has allowed the fraudster to continue to try to open credit cards and other accounts.

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 2025-05-05 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: CA

Complaint narrative:
Experian refuses to update or even acknowledge an issue with my account balances for 2 XXXX XXXX credit card accounts. They say that reports are updated as soon as info is received and that the only issue is with XXXX XXXX. But all other bureaus have the latest statements and account balances from these accounts. After 2 conversations with XXXX XXXX, they assure me that they have submitted updated statements with current info for XXXX. Experian advised and issued disputes with XXXX XXXX for me, but theres nothing XXXX XXXX can do because the issue is with Experian. Experian also has refused to speak with me about it, deferring to automated systems that can not help humans with problems, only regurgitate information. Theres been no attempt to remedy the issue internally, only tell me that everything is normal and they will update the info when they get it. But it is far past the regular report dates for these accounts and statements. And in case its at all relevant, I can not move housing until this update comes through so we might end up having to burden ourselves and others and spend thousands on storage and inconvenience if this is not taken care of immediately. XXXX California XXXX XXXX demands high credit scores to rent homes, whether that is legal or not. The issue at hand is not difficult to resolve, just acknowledge there is an issue at the very least instead of deferring responsibility and ignoring customers, and/or use the available information to update the report and score.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
I have attached an image for you from the app. At the bottom it says Making payment failed. Please try again later. 

I am trying to make an on-time payment to my XXXX XXXX account today, XX/XX/year> ( account ending in XXXX ), but the mobile app will not accept my payment. I have screenshots available if needed. 

On Saturday, XX/XX/XXXX, I submitted a {$100.00} payment through the Cerulean mobile app using my XXXX XXXX XXXX XXXX routing and account number. However, I can not confirm whether that payment was received due to ongoing app errors and a complete lack of accessible customer support. I am now trying to make an additional payment, but I am still unable to do so. 

I have spent multiple days attempting to reach someone by phone. On Saturday, I was XXXX in line ; today ( Monday, XX/XX/XXXX ), I was XXXX in line and after over an hour on hold, I am currently still XXXX XXXX in the queue. There is no way to reach a representative or verify the status of my payments. 

This puts me at risk of unfair late fees or damage to my credit, despite making a good-faith effort to pay on time and through the approved method. 

I am requesting that XXXX : Confirm receipt of my {$100.00} payment and assist me in making an additional payment Waive any late fees Ensure there is no negative credit reporting, as these issues are not due to any fault of my own Fix their mobile app and website, and provide accessible, timely customer support

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 2025-05-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I have been a customer at XXXX XXXX since XX/XX/XXXX, my monthly payments have always been made on time. This concerns a lease for a new XXXX car. My personal bank blocked all my accounts, debit and credit cards due to fraud, I informed XXXX of this problem and I will be able to make the payment as soon as my account is available. My account remained blocked for more than 1 month which generated a late payment of 30 days and reported on my credit score. The problem is that the XXXXXXXX XXXX ( XXXX ) changed the late month several times, the first time it was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX, this prevented me from borrowing for a loan since the first time, the mention was in XXXX. I am a customer and very unhappy with this way of doing things. I have contacted customer service several times and received no response or they hang up on me. After several months, I sent an email to the CEO of XXXX on XX/XX/XXXX, and I never received a response. After several months, I followed up by email with the CEO and all the managers at XXXX on XX/XX/XXXX. I received an email from the dispute department the next day and since then, no further information. I find it unacceptable that this bank doesn't care about its customers.

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 2025-05-05 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
NOTICE TO FURNISHER DEMAND TO CEASE REPORTING UNVERIFIED INFORMATION XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Account Ending in # XXXX and # XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) regarding your reporting of the above-referenced account.

I have disputed this account with the credit bureaus, and you have failed to provide full validation, including documentary evidence, chain of assignment, and itemized
account details. Reporting unverifiable or inaccurate information to consumer reporting agencies constitutes a violation of FCRA 1681s-2 ( a ) and FDCPA 1692e ( 8 ).

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
NOTICE TO FURNISHER DEMAND TO CEASE REPORTING UNVERIFIED INFORMATION XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Account Ending in # XXXX and # XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) regarding your reporting of the above-referenced account.

I have disputed this account with the credit bureaus, and you have failed to provide full validation, including documentary evidence, chain of assignment, and itemized
account details. Reporting unverifiable or inaccurate information to consumer reporting agencies constitutes a violation of FCRA 1681s-2 ( a ) and FDCPA 1692e ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
To Whom It May Concern, Subject : Urgent Request for Immediate Deletion Violation of the Fair Credit Reporting Act ( FCRA ) Metro 2 Compliance Request Regarding Public Record Reporting This correspondence is in response to the continued inaccurate reporting of bankruptcy public records associated with the following case numbers : XXXX Please be advised that I have attached documentation from XXXX confirming that these bankruptcy records have been permanently deleted from their database. As you are aware, bankruptcy courts do not report directly to consumer reporting agencies, and per Metro 2 reporting standards, all data furnishers and resellers must ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Previously, I disputed these public records with your organization. In your response, you stated the information was verified through direct confirmation with the court. However, I have contacted the court directly, and their written confirmation ( enclosed ) explicitly states that they do not furnish any data to credit bureaus. This contradicts your previous validation and constitutes either : A false verification under 15 U.S.C. 1681i, or A willful misrepresentation in violation of 15 U.S.C. 1681b ( a ) ( 2 ) and 1681b ( a ) ( 4 ). Under Metro 2 Guidelines, no public record should be reported unless it has been verified through a reliable and documented source, and the Reporting Source Indicator must reflect accurate origination. Failure to maintain this standard violates the FCRA and may expose your organization to liability for noncompliance. Action Requested : Immediate deletion of the above-referenced public records from all consumer credit files ; Confirmation that the records have been removed ; Disclosure of the furnishing source, methodology used to verify the data, and a copy of any documentation used to validate these records. If this request is not resolved in compliance with FCRA and Metro 2 requirements, I am prepared to escalate the matter through legal channels.

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was in prison for 3 years have no knowledge of this account never used address Linked to it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AZ

Complaint narrative:
Experian is reporting late payments on two closed accountsXXXX ( Account No. XXXX ) and XXXX XXXX ( Account No. XXXX ) with {$0.00} balances and {$0.00} past due amounts. This is not only illogical but highly irresponsible. Closed accounts with no outstanding debts should not reflect late payments, particularly if the alleged delinquency was never verified. By maintaining these derogatory marks, Experian is misrepresenting my credit behavior in direct violation of 15 USC 1681e ( b ). These false reports could easily be the result of data mismatching or a system breach, which demands immediate attention.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Between XXXX and XXXX XXXX XXXX unauthorized transactions totaling {$8000.00} were processed through my SoFi Checking Card account by the merchant XXXX. 

I filed a dispute on XX/XX/2025, with SoFi regarding these charges. SoFi denied my dispute within one business day XX/XX/2025, claiming no unauthorized activity occurred. 

Their investigation was unreasonably fast and did not meet the standards required under Regulation E ( 12 CFR 1005.11 ), which mandates a reasonable investigation and provisional credit if needed. 

I believe SoFi violated federal law by not properly investigating my dispute and denying my claim without adequate review. I have suffered financial harm totaling {$8000.00}.

I request CFPB assistance in addressing SoFi 's violations of Regulation E and recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Mr. Cooper Home Loans for failing to process a loan assumption request in a timely and transparent manner. Their lack of responsiveness and inconsistent communication has resulted in financial harm and procedural confusion. Below is a detailed timeline : On XX/XX/year>, I signed a purchase contract with the sellers of a home, contingent upon my assumption of their existing loan serviced by Mr. Cooper. 

On XX/XX/year>, the sellers requested the loan assumption package. 

On XX/XX/year>, the sellers received the package from Mr. Cooper. 

On XX/XX/year>, I mailed my completed documents. Tracking confirms delivery. 

On XX/XX/year>, a Mr. Cooper representative confirmed via chat that my documents were received and that the assumption file was updated. 

On XX/XX/year>, a different representative contradicted that, stating the documents had not been received. 

On XX/XX/year>, I submitted a complaint to the Virginia Attorney Generals Office due to the conflicting information and lack of progress. 

On XX/XX/year>, I contacted Mr. Cooper again and was told the file was still pending. 

On XX/XX/year>, I was told that all documents had been received. 

On XX/XX/year>, I was told a required form was missinga form Mr. Cooper previously confirmed was received over a month earlier. 

Since XX/XX/year>, I have been financially responsible for making mortgage payments despite Mr. Cooper 's inaction. This situation has caused financial harm to both myself and the seller. I am paying a mortgage without any ownership security, and the seller remains legally liable for the loan without receiving compensation. This delay has also disrupted both of our financial planning and obligations. 

Additionally, I am unable to call for updates because Mr. Cooper requires the last XXXX digits of the sellers Social Security number, creating an unreasonable barrier to communication. 

XXXX XXXX behavior reflects poor document management, contradictory customer support, and procedural delays which are impeding a legitimate assumption request and causing financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This account was paid and settled, yet the agency continues to report it with a negative status despite multiple goodwill requests and formal disputes. Ive disputed this twice with the credit bureaus, and each time the account was marked verified with no supporting documentation or meaningful reinvestigation provided.

This collection is actively suppressing my ability to qualify for housing and does not reflect an accurate or fair credit history.

Additionally, I later learned this debt was actually tied to my fathers account we share the same name ( Im a XXXX ), and this appears to be a misattribution. I have never had XXXX XXXX XXXX phone services, only internet, and I assumed the charge was related to unreturned equipment lost in a fire caused by faulty wiring in my apartment complex. I paid it to move forward, but Im now requesting full removal from all credit bureaus due to improper assignment and reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
TransUnion is reporting an inquiry from XXXX XXXX XXXX dated XX/XX/year>. This date is in the future, which immediately flags this as a serious system or data issue. Reporting an inquiry that has not yet occurred is not only impossible but a blatant violation of 15 USC 1681e ( b ). This suggests a glitch or breach in TransUnions data systems that allowed this phantom inquiry to populate. An inquiry on a credit file is a sensitive matter and must reflect actual consumer-authorized activity.

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 2025-05-05 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: NC

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-05-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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