vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 states : A consumer reporting agency can not furnish an account without my written instructions.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information under FCRA 1681e ( b ) Request for Immediate Correction Dear Experian, I am writing to formally dispute inaccurate and damaging information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

The account in question, XXXX XXXXXXXX, is currently reporting incorrect balances and erroneous monthly updates. These inaccuracies are not only misleading but are also materially affecting my credit standing and damaging my personal and professional reputation. 

This inaccurate reporting must be corrected or removed immediately. I request that you investigate this matter, in accordance with FCRA guidelines, and provide me with written confirmation of your findings and actions taken. If the account can not be verified as accurate, it must be removed from my credit report. 

Please consider this a formal demand for correction. If these inaccurate records are not addressed promptly and appropriately, I will be forced to pursue legal remedies including but not limited to filing a lawsuit for damages due to negligence and harm to my reputation. 

Thank you for your prompt attention to this matter. I expect a full resolution within the XXXX period allowed under 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 2025-04-21 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-21 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: MD

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

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

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

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

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

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

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


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Im disputing 90-day late marks reported by Aidvantage on my federal student loans. I made multiple timely payment attempts, but the payments were reversed by my bank due to a processing issue I was unaware of. 

The Aidvantage payment history clearly shows payments and reversals on : XX/XX/year> XX/XX/year> XX/XX/year> I contacted Aidvantage directly and provided documentation, including a screenshot of their own payment history. Despite this, they refused to review my case or assist in correcting the report. They instructed me to dispute with the credit bureaus first which Ive already done. 

I am requesting that Aidvantage investigate and remove these delinquencies, as they were not due to negligence or missed payments, but reversed transactions beyond my control. I have acted in good faith at every step.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a credit card in my name from Capitol One but I didnt apply nor open an account or card with them. I called Capitol One XXXX they opened an investigation with it. And they canceled the card & account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE ADDRESSLISTED BELOW, IS NOT MY ADDRESS. 
MY NAME IS ON EQUIFAX DATA BREACH AND LAWSUIT FOR EXPERIAN. PLS DELETE- PER 15 USC 1681 ( B ) / 15 USC 1681S-2 ( B ) ADDRESS DISPUTE- XXXXXXXXXXXX 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ADDRESSLISTED BELOW, IS NOT MY ADDRESS. 
MY NAME IS ON EQUIFAX DATA BREACH AND LAWSUIT FOR EXPERIAN. PLS DELETE- PER 15 USC 1681 ( B ) / 15 USC 1681S-2 ( B ) ADDRESS DISPUTE- XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am submitting a complaint regarding an unauthorized disclosure of my personally identifiable information ( PII ) from my education records at XXXX XXXX University, where I attended from XXXX. The disclosed information included my full name, dates of attendance, enrollment status, degree information, and other private student record details, all recorded in my official education records. The disclosure was not made by a school official, but by an unauthorized individual, XXXX XXXX who has no employment relationship with XXXX XXXX University or the U.S. Department of Education. The disclosure occurred on or around XX/XX/2025, due to the universitys failure to adequately secure student records, allowing unauthorized access without my consent. I became aware of the breach through credible public reports around that date. I have had no communication with XXXX XXXX regarding the disclosure, and my attempts to seek clarification from XXXX XXXX University have not resulted in a satisfactory resolution. My federal student loans, serviced by Nelnet, are associated with my enrollment at XXXX XXXX University. Based on this FERPA and Title IV violation, I am requesting an immediate discharge of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

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


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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor XXXX 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.

EQUIFAX EXPERIAN TRANSUNION 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: VA

Complaint narrative:
In XXXX 2025, I spoke with two Sallie Mae agents regarding a missed student loan payment. During the first call, I explained that I had recently purchased a home, which caused temporary financial strain. The agent told me that although I didnt qualify for any hardship programs, I would not be reported as delinquent as long as I was actively trying to make full payments. Based on her guidance, I agreed to set up a scheduled payment. 

About a week or two later, I received a second call from a different Sallie Mae agent. I explained the conversation I had with the first agent, and the second agent confirmed that as long as I was making consistent payments even if not the full amount my account would not be reported as delinquent. 

During the call with the first agent I paid {$100.00} immediately and scheduled another payment of {$150.00} shortly thereafter. I also made an additional {$75.00} payment. 

Despite following their instructions and acting in good faith, I discovered on XXXX XXXX, 2025, that Sallie Mae had reported my account as delinquent to the credit bureaus. I contacted a third agent, who informed me that the guidance I received from the earlier agents was incorrect and that they may have been new employees. That agent then enrolled me in a formal payment program. 

I am submitting this complaint because I was misled by Sallie Mae representatives and followed the instructions I was given. The resulting delinquency reporting has negatively impacted my credit, even though I made multiple payments and was told I would not be penalized. I am requesting that the delinquency be removed from my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX XX/XX/year>, I tried to open the credit card app and I saw my closed without my knowledge. 

My Citibank credit card account was closed without prior notice or any explanation. I have maintained good standing on the account and have not received any warnings or communication suggesting some issues could lead to closure. 

I reached out to Citibank customer service seeking clarification, but I was not provided with a clear reason for the closure. This action XXXX negatively impact my XXXX XXXX and overall financial health. 

I am requesting that Citibank provide a clear explanation for the account closure and consider reinstating the account if possible.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing XXXX formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported XXXX any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging XXXX  my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, XXXX handling of my personal information, XXXX further highlights the urgent need for a thorough review XXXX immediate correction of this issue.

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 2025-04-21 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: NH

Complaint narrative:
I submitted a dispute to Experian regarding inaccurate XXXX late payments reported on my XXXX XXXX account XXXX # XXXX * * * * ), specifically for XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite providing documentation proving all payments were made on time, Experian continues to report false late payments and has not corrected the account status or updated the payment history to reflect accurate OK/Current statuses. This violates FCRA 1681s-2. I request Experian provide the Method of Verification used to validate this reporting and immediately update the record to show a perfect payment history as supported by my records.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process unfair and deceptive, as they did not comply with error of resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
Subject : CFPB Complaint : Inaccurate Charged Off Account Balances Complaint Details : I am filing this complaint because the credit bureau is reporting inaccurate balances on several charged off accounts that have been on my credit report for months. Despite my disputes, the credit bureau has not provided any substantiation under the Metro 2 reporting standards or the statutory requirements of the Fair Credit Reporting Act ( FCRA ). The following accounts reflect erroneous balances : XXXX ( Account ending in XXXX ) Reported Balance : {$8600.00} XXXX XXXX XXXX XXXX  ( Account beginning with XXXX ) Reported Balance : {$5000.00XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$15000.00} XXXX  XXXX ( Account ending in XXXX ) Reported Balance : {$4500.00} XXXX XXXX ( Account ending in XXXX ) Reported Balance : {$5900.00} According to FCRA requirements ( e.g., 15 U.S.C. 1681e ( b ) ) and the Metro 2 reporting standardsa widely accepted industry format requiring maximum accuracythe reported data must be fully verified, uptodate, and reflective of true charged off amounts. The inaccurate balances on these accounts are harming my credit reputation and violate my rights. 

Desired Outcome : I request that the credit bureau immediately remove these inaccurate charged off account balances from my credit file and update my record accordingly. I further request the CFPB investigate the credit bureaus failure to ensure data accuracy per the FCRA and industry Metro 2 guidelines.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Received 2 different debit/credit cards from Citizens bank last week. I never ordered, requested or done business with Citizens bank before. I shredded the credit cards. Today I received 3 different letters ( supposedly ) from Citizens bank stating they were closing out 5 different accounts. I called Citizens bank for their website and fraud department. They said they believe it's a scam and phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing XXXX inform you that the response provided by the company does not address or resolve the core issue raised in my original complaint. They continue to report inaccurate information on my credit report, XXXX  their reply fails to correct or even acknowledge this inaccuracy. 

XXXX Account # XXXX I request that the CFPB continue its investigation into this matter and hold the company accountable for failing to report accurate XXXX  verifiable information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your continued assistance.

Company response to consumer: Closed with non-monetary relief