vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: KY

Complaint narrative:
On XX/XX/year> Prosper emailed me and stated I prequalified for a {$17000.00} loan. I planned to use the loan to consolidate my debts and get a better interest rate. Also I am trying to improve my credit score.

After submitting all documentation they asked for, and waited for verification, I was informed my application was declined due to the pay stub I submitted I submitted my husbands pay stub because I am retired and have no income. His income is also mine and its our only income.

When I called them to explain this, I was informed my loan application would be cancelled because they refuse to acknowledge that. They refuse to approve me but why did they prequalify me for a loan they had no intention of giving me?

i feel I am being penalized and being discriminated against because we are a one income family. I feel Prosper lied to me and all they did was waste my time.

I feel Prospects lending practice is extremely unfair and they lured me in under false pretenses.

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 2025-08-07 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: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-07 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: GA

Complaint narrative:
This complaint is regarding incorrect credit reporting by Experian. Around XXXX XXXX, I submitted an electronic dispute followed by a written dispute regarding the account balance showing for my student loan with XXXX. It was incorrect and apparently hadnt been updated. I had two student loans forgiven in XXXX via PSLF, however, Experian never showed the updates. Eventually, one of the loan sequences of the PSLF was corrected and updated in Experians system, but the second was not. I submitted both electronic and written documentation that my XXXX loan sequence with a balance of {$100000.00} had been closed out via PSLF. Around XXXX or XXXX of XXXX, Experian finally made the correction and updated my credit report/overview. As of XX/XX/XXXX, however, Experian re-opened this loan sequence on my credit report/overview and reapplied the {$100000.00} balance even though my XXXX account shows this loan sequence paid off and closed via PSLF. Experian sent me an email stating that I had dispute results and this reapplied amount of {$100000.00} was the result. There shouldnt have been any other dispute matters after the XXXX XXXX correction/update, but Experian took it upon itself to incorrectly and unjustly reapply a loan sequence amount that no longer exists and they will, by their own manufacturing cause a substantial drop in my next credit score reporting because of what they have done. This is deliberate and they need to be held accountable.

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 2025-08-07 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: TX

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
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 2025-08-07 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am submitting this formal complaint against both XXXX XXXX, XXXX. and XXXX XXXX XXXX XXXX XXXX. 

XXXX charged off a personal loan with an original balance of approximately {$6500.00}, but continued reporting inflated balances as high as {$8400.00} even after the account was sold. This occurred despite no payments being made, and there is no evidence of any contractual right to inflate the balance after charge-off. 

XXXX, now the current debt owner and furnisher, also reported the account with inflated balances and a false payment entry in XX/XX/year>. That payment never occurred. 

I disputed the account and formally requested validation, including the original contract, breakdown of balance increases, and documentation for the reported payment. Neither company provided the requested information.

These actions violate the Fair Credit Reporting Act ( FCRA ), including 1681s-2 ( b ), by failing to conduct a reasonable investigation and continuing to furnish inaccurate information.

I have uploaded a detailed complaint packet with screenshots, credit reports, dispute letters, bureau responses, and a timeline of violations. I request deletion or correction of these inaccurate tradelines and further investigation by the CFPB.

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 2025-08-07 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: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX was changing my password, then blocked, called, told suspicious activity, it will not be able to be reopened, no reason as to details why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health.

I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted previous disputes to address these errors, but they have not been corrected. Under the FCRA, you are required to conduct a reasonable investigation of all disputes and correct any inaccurate information. The continued presence of these errors on my credit report indicates a failure to comply with the law and has caused significant harm to my creditworthiness. 
I respectfully request that you : Immediately investigate these disputed items. As per the FCRA, you are obligated to conduct a full investigation and resolve any inaccuracies within 30 days. 
Provide a resolution or update. Please inform me of your findings and the actions taken regarding the disputed items. 
Remove any unverifiable or inaccurate information. If you are unable to verify the disputed information, I request that you promptly remove it from my credit report. 
Additionally, I request that you send me a written confirmation once these issues have been corrected, along with an updated copy of my credit report reflecting the changes. 
I trust that you will address this matter in a timely and lawful manner. Thank you for your attention to this issue. I look forward to your prompt response.

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 2025-08-07 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:
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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had previously filed my complaint with your agency and was assigned a reference number, which I have misplaced. However, I did speak with a representative and gave additional information. I was thereafter told I had failed to provide additional information, which is not true, for I did. I was advised by your representative to file a new complaint with supporting documents, which I did. 

Experian reports my XXXX score that differs from the one provided to Banks. For me, Experian shows my XXXX as XXXX, but the XXXX score reported to XXXX XXXX is XXXX. 

My new complaint reflects this. The following information is provided : XXXX XXXX XXXX DOB : XX/XX/year> Last Four SSAN : XXXX Mailing Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone # : 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 2025-08-07 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your 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. 
These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since XXXX These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I guess when we moved out of our apartment in XXXX when I was told that I could break the lease and there would just be a XXXXXXXX XXXX fee for doing it that there was confusion. My parents co signed on the apartment and are trying to get a mortgage right now but theres a debt for XXXXXXXX XXXX to PRO COLLECT showing on there report from the apartment. It is now XXXX its been almost 2 years since leaving those apartments but I never recieved an email or written notice of this debt. Neither has my parents or my roommate.

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 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your Name : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX : XX/XX/XXXX, XXXXTo : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX : Formal Dispute XXXX XXXX Reporting Despite Verified Paid StatusDear Experian, I am formally disputing the continued reporting of an account associated with XXXX XXXX on my Experian credit report.This account was fully resolved and canceled, as confirmed through a 1099-C form issued by XXXX XXXX which I have attached as evidence. The debt has been satisfied and is no longer valid for reporting.Additionally, both XXXX XXXX XXXX have reviewed the same documentation and have removed this account from my credit file.Under FCRA 611 and 607 ( b ), Experian is obligated to ensure that all information reported is accurate and verifiable. Continuing to report this item constitutes inaccurate and outdated reporting. Under FCRA 611 and 607 ( b ), Experian is obligated to ensure that all information reported is accurate and verifiable. Continuing to report this item constitutes inaccurate and outdated reporting.I demand that this item be removed from my credit report immediately. Please provide written confirmation that this account has been deleted. If not, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX : 1099-C Cancellation of 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 2025-08-07 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 is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation