vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report as it contains inaccuracies and needs to be corrected. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Huntington Debt Holding LLC
State: TX

Complaint narrative:
Overview of the Matter : I am submitting a formal complaint against Huntington Debt Holding , LLC, as the company has inaccurately asserted that there exists a legal judgment against me concerning a debt they are trying to recover. the representative asserted that there was an ongoing legal notice and judgment, which I subsequently verified to be false. This constitutes a blatant infringement of the Fair Debt Collection Practices Act ( FDCPA ), as it is unlawful to misrepresent legal proceedings or intimidate individuals with fictitious judgments. Information Regarding the Grievance : Unlawful Conduct and Misrepresentation : The company reached out to me several times in a short period, making unfounded assertions about a judgment being in place, attempting to intimidate me into settling the debt. They even provided me with a payment plan requesting my credit card details and indicated that if I did not submit my information by the end of the day, they would escalate my file to the legal department, asserting that there would be " nothing I can do to rectify the situation since there was a judgment to garnish my wages. '' Inability to Furnish Required Documentation : Upon request for evidence of the judgment, legal notice, and original debt records, the representative declined to supply any legal documents aside from a payment arrangement. He repeatedly asserted that " I sounded like I was unwilling to settle my debt, and he would allow the legal process to proceed with the garnishment. '' Nonetheless, the matter remains unresolved, and sufficient evidence of the debt 's legitimacy has yet to be presented. Request for Action : I formally ask the CFPB or FTC to investigate the misleading practices of Huntington Debt Holding, LLC and enforce compliance with debt collection laws. I request confirmation that this debt will be eliminated from my credit report if they fail to provide valid documentation or evidence of the alleged judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint because my credit card company abruptly stopped my automatic payments without notifying me in any way. I have had this card for several years with perfect payment history. My autopay has been active for over seven years with no issues.

Last month, the company claims they stopped processing my autopay because they needed a picture ID, but I was never notified by email, phone, text, or mail. They can not provide proof of any notification, and I never consented to stopping my autopay. They also claimed that my mail keeps getting sent back and that I told them to put me on the no call list back in XXXX, which is not true.

Because of their failure to notify me, a payment was marked late, and my credit score dropped XXXX points in one month, going from very good to fair. This has negatively impacted my creditworthiness and financial opportunities.

I am requesting : 1. Removal of the late payment from all three credit bureaus 2. Restoration of my previous account status 3. Confirmation that this issue will not occur for other consumers I feel this was negligence on the companys part due to the sudden suspension of autopay without proper communication. I would like assistance resolving this matter as soon as possible.

Thank you.

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 2025-12-02 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: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-02 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: AL

Complaint narrative:
I am writing to formally dispute certain entries on my TransUnion credit report that appear to be incorrect or incomplete. The information appears to violate the Fair Credit Reporting Act ( FCRA ), and I am concerned that some of my personal data may have been compromised in a possible data breach.

FCRA Violations The following accounts should be reviewed and corrected : 1. XXXX XXXX XXXX Account Number : [ XXXX ] Date Opened : [ MM/DD/YYYY ] Discrepancy : Incorrect balance and payment history. 
2. XXXX XXXX  Account Number : [ XXXX ] Date Opened : [ MM/DD/YYYY ] Discrepancy : Incorrect account status and reporting. 
( Continue with other accounts provided )

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 2025-12-02 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: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
For several years, I made consistent payments under multiple trial modification plans. The bank informed me that the final modification could not be completed until the Small Business Administration ( SBA ) issued a Subordination Agreement. That process was delayed by the SBA, not by me.

Despite this, XXXX : Continued to add legal fees, foreclosure charges, and interest Reported negative information to the credit bureaus Refused to accept payments Refused to offer any temporary alternative Failed to provide a clear breakdown of the escrow overdraft Would not finalize any modification or mitigation plan The bank has added repeated charges such as {$780.00}, {$90.00}, {$29.00}, {$15.00}, {$19.00}, and {$30.00}. These fees continue to accumulate even though I have not been served with a foreclosure summons, and the case has not progressed in court.

The bank admits in writing that the modification was never finalized solely because the SBA subordination was incomplete. This issue is completely outside my control. Yet XXXX refuses to freeze legal fees or process a full loss mitigation review while the SBA finishes the subordination.

This situation has severely damaged my credit and placed my property at risk without giving me any reasonable or lawful alternatives to resolve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan servicer, NelNet, has been reporting late payments to the credit bureaus even though I made timely payment attempts through their official online portal. I received multiple emails from NelNet confirming that my payments and auto-debit setup were successfully processed. However, NelNet failed to withdraw the funds, never notified me of a problem, and incorrectly claimed my bank rejected the payments.

These false late payments have caused my credit score to drop by over XXXX points. 



Details of the Problem : On XX/XX/XXXX, I submitted a {$970.00} payment. NelNet emailed me a confirmation verifying the payment had been received and would be posted. 

On XX/XX/XXXX, I submitted a {$970.00} payment. NelNet emailed me a confirmation verifying the payment had been received and would be posted. 

On XX/XX/XXXX, I submitted a {$660.00} payment. NelNet emailed me a confirmation verifying the payment had been received and would be posted. 

On XX/XX/XXXX and XX/XX/XXXX, I received confirmation that my auto-debit enrollment was successfully set up.

( Proof attached ) Despite these confirmations, NelNet never withdrew any of these payments. My bank confirmed that no payment attempts were ever submitted by NelNet. NelNets representatives repeatedly told me my bank rejected the payments, which is demonstrably false.

I was never notified by NelNet that any payment attempt failed, despite being told they were received successfully.

Because of these system failures, NelNet reported several late payments to XXXX, XXXX, and XXXX  all of which are inaccurate and a result of servicer error, not borrower delinquency. In addition to this, I have been forced to pay extra fees due to my " late payments '' that have come as a result of their failed systems. The only way I was able to make a payment was over the phone on XX/XX/XXXX for {$1600.00}. 


I have attached evidence including NelNets payment confirmation emails and auto-debit confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously disputed the following inaccurate, unauthorized, and unverifiable inquiries, yet you have failed to remove, verify, or properly investigate them : XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX This is your final opportunity to resolve this matter outside of court. Remove these inquiries and provide confirmation within 5 business days.

Failure to act will result in a formal lawsuit being filed against your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report provided by the following credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX  ( XXXX ). I believe the reported information for the accounts listed below is inaccurate or incomplete and does not fully comply with the Fair Credit Reporting Act ( FCRA ). I request that the information be corrected as per my dispute.

CHARGED OFF Accounts EQUIFAX ( XXXX ) : XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$120.00} INQUIRIES EQUIFAX ( XXXX ) : XXXX Date : XX/XX/XXXX LATE PAYMENT Accounts EQUIFAX ( XXXX ) : XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation