vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I have a mortgage with Nationstar Mortgage LLC d/b/a Mr. Cooper. Based on my recent divorce, I need to assume the mortgage, but the company is impossible to get ahold of to resolve this issue. I submitted paperwork to a generic research email address for over a month now with no response or update. I try calling and they intentionally make it impossible to speak to a human being. Only way system transfers to a person is if I say I want to refinance ( which I dont ), but I tried to see if thats their strategy. When I describe the problem to individual that picks up there, they put me back to automatic robotic answering machine. I feel like they are forcing me to refinance to solve the issue and are intentionally ignoring request that makes them no additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Dispute Unauthorized Account Activity and Overdraft Dear chase Customer Support, I am writing to formally dispute recent activity on my account checking On XX/XX/scrub>/25, I withdrew all funds, ensured all balances were {$0.00}, locked the account, and verified no pending transactions remained. 

As of this morning, my account now shows a {$1500.00} overdraft, and the final payment to my credit card appears to have been altered. I did not authorize any further transactions, and the account was not in use at the time this activity occurred. 

I am requesting : A full transaction history from XX/XX/year>25 to today. 

A written explanation of how the overdraft occurred post-account lock. 

A confirmation and correction of the credit card payment amount. 

This is urgent and needs resolution immediately, as this error is impacting my financial status and potentially my credit. Please escalate this to the appropriate department and confirm receipt of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I moved on XX/XX/XXXX and called Equifax to provide my new address. I was given a confirmation # XXXX by an agent. I received a correspondence as a dispute on XX/XX/XXXX indicating that my new address recorded as my residence since XX/XX/XXXX. 
This is erroneous. My previous address in which I resided is where I had been a residence since XX/XX/XXXX. They claim they could not correct it even after I spoke with a manager. Since the Data breach in XXXX, I have been obligated to put a security freeze on all my credit reports and now this error. Equifax continues to make careless mistakes without consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Complaint regarding Capital One Credit Card ( Account ending XXXX ) : Im filing this complaint due to persistent inaccurate and inconsistent credit reporting by Capital One regarding my active and fully paid credit card account ( ending XXXX ). 

Capital One continues to report multiple late paymentsXXXX XXXX ( XXXX  days ), XX/XX/XXXX ( XXXX  days ), and XX/XX/XXXX ( XXXX days ) despite acknowledging and partially correcting these errors previously. XXXX  has already removed some of these late payments after a goodwill request, but XXXX  and XXXX continue to report them inaccurately. 

I have maintained a flawless payment history for over XXXX years since these alleged late payments occurred. My account remains open, paid in full, and in excellent standing, demonstrating responsible financial behavior. Repeated attempts via goodwill requests and disputes directly with Capital One have not fully resolved the issue. 

I respectfully request the XXXX intervention to : XXXX. Require Capital One to reinvestigate and remove these inaccurate late payments from all three bureaus ( XXXX XXXX and XXXX XXXX. 
XXXX. Ensure accurate, consistent reporting across all credit bureaus, reflecting the true status of my account. 

Resolving this issue will accurately represent my responsible credit management and correct unfair reporting inconsistencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to my records, my loan was in an approved forbearance period during the time in question. However, I recently reviewed my loan information and/or credit report and noticed inaccurate reporting indicating missed or late payments. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-05-20 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:
According to my records, my loan was in an approved forbearance period during the time in question. However, I recently reviewed my loan information and/or credit report and noticed inaccurate reporting indicating missed or late payments. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to my records, my loan was in an approved forbearance period during the time in question. However, I recently reviewed my loan information and/or credit report and noticed inaccurate reporting indicating missed or late payments. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The response is not satisfactory. The wire left my XXXX account and was returned less monies. XXXX does not change any type of wire fee.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
According to my records, my loan was in an approved forbearance period during the time in question. However, I recently reviewed my loan information and/or credit report and noticed inaccurate reporting indicating missed or late payments. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

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 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I got a loan just before the covid pandemic and after losing my job I wasn't able to continue payments. This debt went to collection and a company called Jefferson Capital Systems which is located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX got it. After 3 or 4 years I finally had a chance to close this debt or negotiate. I called them and asked an agreement which they accepted to get a one single payment of {$600.00} for, {$1400.00} ( original amount was {$900.00} but after interest they end up with {$1400.00} ). After payment I saw instead of removing this debt from my credit history they put back {$800.00} as not paid and I saw this happening to other people as well countless of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I went to XXXX College in 2011 I did not complete my program due to hardships in my life. I went for there master degree program in XXXX XXXXXXXX XXXX XXXXXXXX. Due to the new administration and accreditation the school was null and void. Yet my loans and interest are substantially bigger than what I was told. I also have the majority of my loans through Nelnet which recently ben under suite .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had purchased an XXXX XXXX from XXXX XXXX  which had arrived defective and eventually the battery caught fire and almost took my house out, I opened a dispute and about XXXX week or so later ( maybe more? ) I recieved an email from XXXX XXXX, stating that I am to close my charge back before I can recieve any help regarding my refund, so I did come to find out it was to unfreeze their funds that were on hold. I contacted customer support and was told that my case was reopened. Cool, so I provide more wvidence of the XXXX that I no longer have due to defective XXXX  and blowing up battery, they let the case go on all the way from the XXXX to the XXXX with it being reopened. On the XXXX at XXXX am I got a notification in my PayPal app stating that the case was closed in my favor. PayPal is stating that they wont refund me because of the cancellation on XX/XX/XXXX that was specifically stated by a supervisor to not close the case due to cancellation. Theyve waited XXXX weeks to tell me they cant give me my funds due to a cancellation, but why would the case sit open for that long being investigated just for when they see that I was rightfully owed my refund they find an excuse to scam me the consumer. If they didnt want me to reopen the case they wouldnt have let me reopen it on the XXXX of XXXX. Now they are saying Im able to appeal their decision of closing in my favor but why would I appeal something closed in my favor, let alone them saying that I cant reopen it. This refund should be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My credit record review revealed several late payment entries that I believe are inaccurate. Despite sending formal validation request letters over 30 days ago, I've received no response and no satisfactory validation has been provided to support these alleged late payments. This prolonged silence is concerning as these negative entries continue to adversely affect my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has inaccurately reported XXXX, XXXX, and XXXX late payments on my credit report for the months of XXXX through XX/XX/year>. I requested documentation explaining what was required to bring my account current, but XXXX XXXX failed to provide a XXXX-month breakdown or any payment catch-up plan. I was not given sufficient information to reasonably understand or resolve the delinquency, which has harmed my credit rating. 

Attached are my billing statements and my written dispute to XXXX XXXX. Despite clear inconsistencies, XXXX XXXX has declined to update or correct the reporting. 


Attachments : Dispute letter to XXXX XXXXXXXX Statements from XXXX XXXX XXXX XXXX written response Thank you for your assistance in resolving this matter.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
My recent consumer report revealed bankruptcies erroneously listed on my file that should not be present. My research into relevant regulations indicates this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy, as these bankruptcy entries are not only inaccurate but represent an unauthorized disclosure of my personal information. As a victim of identity theft, I find this violation particularly egregious and completely unacceptable.

Company response to consumer: Closed with explanation