vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Account number XXXX Balance {$890.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX AND XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXXND XXXX 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I am writing to request assistance regarding a goodwill removal of late payments reported by Nelnet, which recently caused my credit score to drop by over XXXX points. I am not disputing the accuracy of the reporting but am requesting an exception based on my long history of on-time payments and the unique circumstances surrounding this instance. 

I was previously enrolled in school through XX/XX/XXXX and was not aware that repayment would begin so soon. Although Nelnet technically sent an email notification on XX/XX/XXXX, it was unintentionally missed due to it being filtered into my spam folder. I only became aware of the delinquency after seeing the dramatic impact to my credit. 

I made immediate efforts to bring my account current and have maintained good standing since. On XX/XX/XXXX, I submitted a goodwill request through Nelnets secure message system asking for removal of the late marks due to my otherwise perfect history and the good-faith nature of the oversight. After receiving no response, I followed up again on XX/XX/XXXX and have still not received a reply. 

This negative mark is now threatening my ability to move forward with a home purchase. I respectfully ask for Nelnet to reconsider my goodwill request and remove the late payments from my credit history in light of my responsible repayment behavior and the significant impact this has on my financial plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am filing this complaint regarding inaccurate and unverifiable information on my credit report. I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Accounts reporting with errors ( XXXX XXXX XXXX XXXX XXXXXXXX ) Duplicated collection entries ( XXXX  appearing multiple times ) Improper late payments reported post-account closure ( XXXX XXXX  ) Hard inquiry from XXXX with no permissible purpose I formally disputed these items and submitted documentation. I am requesting CFPB assistance in having these violations investigated and permanently removed. These inaccuracies are preventing me from accessing credit, funding, and homeownership opportunities. 

Please help ensure the bureaus follow federal law and my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Nelnet, Inc.
State: GA

Complaint narrative:
Under the Gramm Leach Bailey Act you have the right to opt out of getting my nonpublic personal information shared with non affiliated parties In which XXXX XXXX XXXX XXXX are non affiliated parties. Along with them the Department of education operated as XXXX allowed my personal data to be accessed by XXXX XXXX and the Department of Government Efficiency accessed student loan records without my permission, My personal and financial information was authorized without my authorization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records and this breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal financial information I request that you immediately cancel and discharge the said student loan debt.

Violations include : Unauthorized access or sharing of student records.

Failure to provide students access to their own records.

Data breaches involving protected student information.

Rights : Key Rights Under FERPA : 1. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances.

2. Access to Records - Students ( over 18 ) and parents ( for minors ) have the right to review and request corrections to their education records.

3. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Account Number XXXX Balance : {$140.00} Open Date XXXX XXXX XXXX XXXX  Account number XXXX Balance : {$990.00} Open Date XXXX XXXX XXXX XXXX Account number XXXX Balance : {$890.00} Open Date XX/XX/XXXX Inquiries 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I made a {$2100.00} purchase on XX/XX/XXXX, under a XXXX interest-free promotion with Concora Credit. I was enrolled in automatic payments of around {$110.00} {$110.00} per month, which I assumed were structured to fully pay off the balance before the promotion expired in XX/XX/XXXX. 

However, I was never notified or reminded that the promotional period was ending. Once it expired, I was charged {$350.00} in retroactive interest calculated from the original purchase date, not the expiration date. Had I received a warning, I would have paid the balance in full. 

I believe this is deceptive and unfair. The company accepted automatic payments it knew were not enough to pay off the promotion in time and gave no notice before charging interest at 34.90 % APR retroactively. This situation feels intentionally misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am filing this complaint because XXXX XXXX  XXXX XXXX is inaccurately reporting my auto loan account as a charge-off with derogatory marks on all three credit bureaus, despite the account being paid in full and the default caused by an extraordinary delay in an insurance claim settlement. 

Here is the full timeline and the grounds for my dispute : Insurance Delays : My vehicle was involved in a total-loss insurance claim, and the insurance payout took over XXXX months to process due to their internal delays, not mine. 
Active Payments During Delay : I continued making loan payments during this period to the best of my ability, showing good faith despite circumstances beyond my control. 
Extensions & Waived Fees : XXXX XXXX  even granted extensions and waived late feesthis is acknowledgment that my situation was legitimate. 
Charge-off Despite Resolution : Despite most of the balance being paid by insurance and myself covering the rest, Mechanics Bank still charged off the account and marked it derogatory.

Paid in Full : After the charge-off, I still made additional payments to bring the balance to {$0.00}. The account is now fully satisfied.

No 1099-C Issued : To date, I have not received a 1099-C tax form from XXXX XXXX  which is typically issued after a charge-off when debt is forgiven. This further indicates no debt forgiveness occurred and that the account should not be treated as a loss or write-off. 


Legal Considerations : XXXX XXXX reporting violates the Fair Credit Reporting Act ( FCRA ) under : 602A Accuracy in credit reporting 623 ( a ) ( 2 ) Duty to correct and update information 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate This charge-off is unjustified and materially damaging my credit score and access to future financing, including a home equity line of credit. 

Supporting Documents Attached : Formal dispute letter sent to XXXX XXXX  USPS certified mail receipt Full payment and dispute timeline Screenshot of the derogatory reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am filing this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting my auto loan account as a charge-off with derogatory marks on all three credit bureaus, despite the account being paid in full and the default caused by an extraordinary delay in an insurance claim settlement. 

Here is the full timeline and the grounds for my dispute : Insurance Delays : My vehicle was involved in a total-loss insurance claim, and the insurance payout took over XXXX months to process due to their internal delays, not mine. 
Active Payments During Delay : I continued making loan payments during this period to the best of my ability, showing good faith despite circumstances beyond my control. 
Extensions & Waived Fees : XXXX XXXX  even granted extensions and waived late feesthis is acknowledgment that my situation was legitimate. 
Charge-off Despite Resolution : Despite most of the balance being paid by insurance and myself covering the rest, XXXX XXXX still charged off the account and marked it derogatory. 
Paid in Full : After the charge-off, I still made additional payments to bring the balance to {$0.00}. The account is now fully satisfied.

No 1099-C Issued : To date, I have not received a 1099-C tax form from XXXX XXXX, which is typically issued after a charge-off when debt is forgiven. This further indicates no debt forgiveness occurred and that the account should not be treated as a loss or write-off. 


Legal Considerations : XXXX XXXX reporting violates the Fair Credit Reporting Act ( FCRA ) under : 602A Accuracy in credit reporting 623 ( a ) ( 2 ) Duty to correct and update information 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate This charge-off is unjustified and materially damaging my credit score and access to future financing, including a home equity line of credit. 

Supporting Documents Attached : Formal dispute letter sent to XXXX XXXX  USPS certified mail receipt Full payment and dispute timeline Screenshot of the derogatory reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I am filing this complaint because XXXX XXXX  XXXX XXXX is inaccurately reporting my auto loan account as a charge-off with derogatory marks on all three credit bureaus, despite the account being paid in full and the default caused by an extraordinary delay in an insurance claim settlement. 

Here is the full timeline and the grounds for my dispute : Insurance Delays : My vehicle was involved in a total-loss insurance claim, and the insurance payout took over eight months to process due to their internal delays, not mine.

Active Payments During Delay : I continued making loan payments during this period to the best of my ability, showing good faith despite circumstances beyond my control. 
Extensions & Waived Fees : XXXX XXXX  even granted extensions and waived late feesthis is acknowledgment that my situation was legitimate. 
Charge-off Despite Resolution : Despite most of the balance being paid by insurance and myself covering the rest, XXXX XXXX still charged off the account and marked it derogatory. 
Paid in Full : After the charge-off, I still made additional payments to bring the balance to {$0.00}. The account is now fully satisfied. 
No 1099-C Issued : To date, I have not received a 1099-C tax form from XXXX XXXX, which is typically issued after a charge-off when debt is forgiven. This further indicates no debt forgiveness occurred and that the account should not be treated as a loss or write-off.

Legal Considerations : XXXX XXXX reporting violates the Fair Credit Reporting Act ( FCRA ) under : 602A Accuracy in credit reporting 623 ( a ) ( 2 ) Duty to correct and update information 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate This charge-off is unjustified and materially damaging my credit score and access to future financing, including a home equity line of credit. 

Supporting Documents Attached : Formal dispute letter sent to XXXX XXXX  USPS certified mail receipt Full payment and dispute timeline Screenshot of the derogatory reporting

Company response to consumer: Closed with non-monetary relief