vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-12-03 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:
Dear Sir/Madam, I am writing to dispute the following accounts in my credit report as they contain inaccuracies and are not properly reported. 

INQUIRIES : XXXX  Date : XX/XX/year> XXXX CARD Date : XX/XX/year> XXXX CARD Date : XX/XX/year> LATE PAYMENT : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION 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 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 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 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I was scammed into enrolling in a school that didnt tell me that I was signing up to take out a loan. In XXXX I was offered to attend the XXXX XXXX film school in XXXX. They lured me from nonstop texts and phone calls to get me into orientation. I have had life long dreams of becoming an actor and working in film. And I knew this was a college but upon figuring out that the school wasnt a good fit for me and I didnt have a job or a home to go to but they insisted on getting me to sign up. I signed up for orientation. They said for me to attend the school I have to give them all of my information to enroll and that they are flexible and that many people have kids or jobs and still go to the school. After 2 months of attending they finally got me into the office and handed me a pen and paper and told me to put my social security number and sign and Ill be officially with the school. They had me write an essay for scholarships and I asked why I needed to take out a loan after reading the contracts and she vaguely went over the whole agreement which confused me. She insisted the school uses the loan to get me all the supplies I need to succeed in the school like a XXXX and camera equipment but I told her ( XXXX the financial aid counselor ) that I didnt want any of that stuff but she was like how are you going to attend class? And was fully prepared and aware she was coercing me to sign and using manipulation tactics using words like were flexible its very easy user friendly to make it seem like the process was simple but failed to tell me that I was taking on a loan which will consolidate into debt. If I had known I was signing up for a loan putting myself in debt I wouldve never attended the school that I dropped out of. So it doesnt make sense to me why the school is able to scam people and the party of the loan services changed multiple times, deferred my loans and 6 years later after I completely forgot about the loans theyve been affecting my credit score. The XXXX XXXX lied about what I was signing up for. They handed me a pen and paper and told me to sign without giving me full disclosure. I dropped out the school once I realized it was all a scam for profits. And now Im dealing with the issues of it its going to take XXXX years to handle the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/2024. I made a payment to my Capital One credit card. The bank account/ach I had already been using for awhile was pending, went through, and Capital One rejected it. They stated that the ach was not correct and closed my account. I spoke to many people and asked them to send me proof of it being incorrect. I spoke to my bank and went it to make sure the account number and routing was correct, although I had been using it for awhile, and sent it in. I spoke with someone over the phone at Capital One and verified it was correct. I was told by multiple people that glitches can happen and it was possible it happened to me. However, they said it is against policy to reopen credit cards that have been closed if the payments are rejected more than once a quarter which never happened so they used a loophole which did not apply. I had them for may years and it really hurt my credit score and many other things. I feel as if they need to give me my 2 accounts back because I have an attorney to help me pay both down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Received a call today from XXXX XXXX XXXX, her name is XXXX XXXX XXXX that this house has been sold due to foreclosure and that she wanted to send me extra money available from the sale of {$200000.00} and that Bank of America only requested {$98000.00} for the balance due. 
The biggest issue is that I, have submitted all the forms required by Bank of America and there was one time that they offered me a re-finance but never sent me the contract to pay them. Now that I have sent them all the information again and again, they cancel it. 
Plus, they told me that I owed they over {$180000.00} and on the foreclosure {$98000.00}? 
I feel that they just wanted me to fail, they did not want to refianance because they wanted to sell to themself and resale. 
I had called the XXXX XXXX court house in reference to the foreclosure and they said it was not done, if was confirmed and recorded. Bank of America called me when the XXXX started and XXXX  my sister, they offered to help me and now they betrayed me. I had gotten XXXX XXXX, my son is XXXX  and he loves this house. My mother got a XXXX then another sister died, my mom then fell XXXX  her XXXX XXXX, fell again and XXXX her XXXX XXXX and she is here with me and still struggling. I need help, I am crying right now because I need this house for all 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Dear Sir/Madam, I am writing to dispute several items on my credit report, as I believe they contain errors or inaccuracies. Below is the detailed list of the disputed accounts and inquiries for each bureau : Charged-Off Accounts : XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX  XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX CARD, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5000.00} Inquiries : XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX CARD, Date : XX/XX/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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Was attempting to price match bestbuy 's own price for Order Number : XXXX but store rep accidentally returned thr entire item to me instead and told me to repurchase the item at the new price. Old order number had XXXX dollars worth of gift certificates used and only XXXX dollars was refunded to my credit card. New purchase charges my credit card XXXX dollars. Bestbuy only credited me back XXXX in certificates, still short XXXX USD in value.

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 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My loan went into a delinquent status. I was not notified or made aware that I had to resubmit a new request every year for the income driven repayment plan. When I realize my account was delinquent, I called Nelnet and reapplied for the income driven repayment plan and started making my payments on time. Nelnet informed me that since I reapplied and brought my account back current, that they would delete the 6 months of late payments showing on my credit report. They did not fulfill that or erase the late payment off of my credit report. I am trying to buy a house and they are telling me I have to wait until XXXX because Nelnet is still reporting the 6 late payments. I tried to dispute through the credit agencies and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DC

Complaint narrative:
I am writing to dispute certain accounts listed on my credit reports. Below are the details of the accounts in question, categorized by bureau. 

Experian ( XXXX ) CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} INQUIRIES XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/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 2025-12-03 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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: IL

Complaint narrative:
These accounts were not opened or authorized by me. Please review the details and remove them. Ive attached documentation to help.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am filing this complaint because a {$200.00} collection has been inaccurately reported on my credit record by FAIR COLLECTIONS & OUTSOUR for a rental debt that I do not legally owe. I moved out of XXXX XXXX  on XX/XX/year>. Under Georgia law ( O.C.G.A. 44-7-34 ), the landlord had 30 days to return my security deposit or provide a written statement of charges. No such notice was provided to me within that time frame. The first time I learned of any charge was more than two months after vacating, in XXXX XXXX, when I received a move-out statement by email. 

I promptly disputed the {$200.00} charge both in writing and through legal counsel. I also communicated directly with the community manager, XXXX XXXX, to resolve the issue. Despite this, the property forwarded the disputed amount to collections without notifying me or providing a legal basis for the charge. The apartments own ledger, dated XX/XX/year>, confirms a final balance of {$0.00}, yet the collection was reported on XX/XX/year>, without any prior contact from the agency. 

I am requesting that this collection be removed entirely from my credit report. It is inaccurate, unverified, and submitted in violation of both Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). I have attached a detailed timeline, attorney letter, correspondence, and ledger confirming my position.

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 2025-12-03 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: CO

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with explanation