vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I set up with the company for {$500.00} with the XXXX XXXX XXXX XXXX the company has not paid me yet

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year> I was scammed through the internet into paying for computer security from XXXX through a tech support company which I was directed to by XXXX XXXX chat. I paid via Capital One credit card. When I realized I had probably been scammed, I called the Capital One Fraud department, explained to XXXX what had transpired, and asked for advice. He told me to get more information and call back. I satisfied myself by doing searches online about the scam company, XXXX XXXX XXXX XXXX, and the purchase I thought I had made to XXXX XXXX systems, discovering I was not a paid client with them. I called Capital One again, speaking to XXXX who refused to block the charge. She explained that it wasn't their process and that once the charge was removed from 'pending ', they would pay it and I could dispute the charge. I told her I wasn't satisfied and wanted the charge refused but she continued to say it wasn't their process. I then called the XXXX Attorney General 's office for advice and was told to ask for a supervisor in Fraud at Capital One. I called Capital One and spoke to XXXX, a supervisor, who said it wasn't their process and refused my request. I told her I was not satisfied with that and we ended the call. I called the AG 's office and spoke to the same agent who then gave me advice about contacting this office for help. This is a part of a cyber crime against me. The scammer told me she had paused screen share with me when I entered my credit card information to purchase the XXXX security system but after I saw the charge on my credit card was from the scammer XXXX XXXX XXXX XXXX I realized it wasn't XXXX. I did not willingly share my credit card information with her and I never was enrolled in any security system XXXX offers, so obviously that online form the scammer presented to me was false. I want this charge deleted and no money paid by Capital One. I also question their 'process ' in helping customers who have had such an experience as this one as I think it's very poor protection to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
I have never lived in XXXX XXXX According to XXXX this debt is from a rental management company for an apartment in XXXX XXXX. The debt collector is in XXXX I have never lived in XXXX Why is XXXX allowed to put this fraudulent information on my credit report.

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 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-19 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX is furnishing derogatory information related to multiple closed accounts starting with XXXX to Experian and TransUnion, even though these accounts have already been removed from Equifax following a reinvestigation. 

The accounts in question are reported as Paid, Closed but contain late payments, including 30-day delinquencies. These late payments were reported after the accounts were closed, which is a violation of Metro 2 reporting standards. According to CDIA Metro 2 guidelines and FCRA 1681s-2 ( a ), furnishers are responsible for ensuring maximum possible accuracy. Reporting new derogatory activity on a closed account is both inaccurate and misleading. 

I have previously disputed this directly with the credit bureaus and with the furnisher. Equifax corrected and completely removed the accounts from my report. However, Experian and TransUnion continue to report the accounts with derogatory marks.

This inaccurate reporting is damaging my credit profile and does not reflect my current obligations. I request the CFPB to initiate a thorough review of XXXX XXXX XXXX reporting procedures and compliance with Metro 2 and FCRA standards.

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 2025-05-19 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Summary of Complaint This is a formal complaint against XXXX or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

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 2025-05-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The derogatory rating on my account has become a significant source of concern, with tangible consequences already manifesting in my financial life. Not only has it led to the rejection of my recent loan application, but it has also triggered increased interest rates across my existing credit accounts, creating both financial strain and XXXX XXXX that will persist until this matter is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: DISCOVER BANK
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IN

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal validity of several negative entries listed in my credit file dated XX/XX/year>, as reported by your agencies. These accounts contain factual inaccuracies, incomplete reporting, or unvalidated third-party collections in violation of : * * * Fair Credit Reporting Act ( FCRA ) * * 611 & 623 * * * Fair Debt Collection Practices Act ( FDCPA ) * * 807 & 809 * * * Metro 2 Credit Reporting Compliance Standards * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged off with no listed charge-off date or terms ; not reported by Experian. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No charge-off documentation or clear payment history. 
Laws : FCRA 611, 623 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of assignment ; unverifiable debt. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No validation, no collection notices. 
Laws : FCRA 623 ; FDCPA 809 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation or chain of ownership.

Laws : FCRA 623 ; FDCPA 809 ; Metro 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Only appears on TransUnion ; lacks creditor details or breakdown. 
Laws : FCRA 611, 623

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Nelnet, Inc.
State: AL

Complaint narrative:
Sloan Services is reporting me as 90 days past due in XXXXXXXX XXXX XXXX on 4 different loans. I was in a repayment plan and did not owe anything to them during that time. Also how am I 90 days past due but the previous month it shows paid on time and 30 days later Im 90 days late? My repayment plan was {$0.00} per month and in XXXX XXXX XXXX  no one was even required to pay their student loans due to the COVID legislation too. I have tried more than once to have them correct this on my credit report and they refuse to do that. I was not late in repaying? How could I have been when I didnt owe anything? And to show 90 days late but the month before was paid on time makes no sense. This makes it appear I have 4 separate late payments when I do not have any and I want my credit report updated to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 3 late payment in XXXX  XXXX from capital one i was never late for 30 days can you please verify if this information is accurate because is hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Complaint for CFPB XXXX XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern : I am writing to file a formal complaint regarding serious inaccuracies and violations committed by XXXX XXXX XXXX XXXX ( XXXX ) and the Credit Reporting Agencies ( Experian, XXXX XXXX  ) concerning my installment account ending in XXXX. 

Despite the account being closed, fully paid as of XXXX 2023, and not open, I am currently being negatively affected by a 30-day late payment inaccurately reported by Experian and XXXX Meanwhile, XXXX reports the account as Positive with no late payment, confirming the inconsistency. Additionally : The status is listed differently across all three bureaus : Positive ( XXXX ), Negative ( Experian ), and Deleted ( XXXX  ). 

The date of last activity is listed as XX/XX/year>2023, the same as the payment date, which contradicts any logic of delinquency. 

The account appears to have been previously disputed, and still Experian continues to report derogatory information in violation of federal law.

VIOLATIONS OF FEDERAL LAW : FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681s-2 ( b ) : Failure of the furnisher to conduct a proper investigation after notice of dispute.

1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i ( a ) : Failure to correct or delete inaccurate, incomplete, or unverifiable information.

1681c ( a ) ( 4 ) : Reporting obsolete or misleading information on closed accounts.

TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : Misrepresentation of the terms and performance of a closed installment loan may constitute a deceptive lending practice that violates disclosure standards set by TILA.

GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Failure to protect the confidentiality and integrity of consumer financial information, particularly when incorrect or outdated information is negligently shared with third parties.

IMPACT : These inaccurate derogatory marks are suppressing my credit score, unfairly affecting my ability to access financing and business opportunities. I am being penalized based on incorrect data, despite having fulfilled all obligations on the account.

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 2025-05-19 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 reviewed my consumer reports and noticed that i had one late payment on a XXXX XXXX XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub> 2025. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, my banking account was charged {$340.00} for federal student loans payment. Shortly after that payment, my account went into forbearance under the SAVE program. I contacted MOHELA Federal Student Loans, which is my current servicer in XX/XX/XXXX and inquired about my refund. I was told that a refund had been initiated and it should take 90days to receive it. 
Today is XX/XX/XXXX and I have contacted MOHELA a dozen times concerning my refund! I was told that they switched to a new platform and the request dropped off, then it was a new request has been initiated. This morning I contacted them about the status and was told the matter needed to be escalated and was placed on hold for 30 minutes of an estimated 3 hour wait! I was disconnected after waiting 30 minutes to speak to someone. I am beyond frustrated with this servicer! I would like my refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief