vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-25 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: PA

Complaint narrative:
XXXX Requested information of the Company. The information was not correct.

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 2025-09-25 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: OH

Complaint narrative:
I am submitting an urgent complaint regarding XXXX XXXX and TransUnion for inaccurate credit reporting, poor account management, and failure to provide proper customer service.

1. False Derogatory Reporting My XXXX XXXX secured credit card ( ending in [ XXXX ] ) is open and in good standing. XXXX XXXX own system ( screenshot attached from the XXXX XXXX app ) shows the account as active with a balance of {$130.00} and available credit of {$160.00}. My TransUnion consumer disclosure ( via XXXX XXXX, screenshot attached ) also shows the account as In good standing. 

However, when I contacted TransUnion on XX/XX/year>, their representative informed me that in their internal system this account is coded as derogatory. This is materially false and misleading. Because of this inaccurate derogatory coding, my recent auto loan application with XXXX XXXX XXXX XXXX was denied ( denial screenshot attached ). This is clear financial harm caused by inaccurate reporting.

2. Customer Service Issues When I contacted XXXX XXXX directly to correct this error, their representative was argumentative and dismissive instead of addressing the problem. This demonstrates a lack of good-faith effort to comply with the Fair Credit Reporting Act ( FCRA ).

3. Failure to Increase Credit Limit After a Year Additionally, I have held this secured credit card for over a year with consistent activity and responsible use. XXXX XXXX has failed to review my account for a credit limit increase or graduation, despite marketing materials suggesting this review would occur. This adds to the pattern of unfair account management.

FCRA Violations Under the FCRA ( 15 U.S.C. 1681s-2 and 607 ( b ) ), furnishers like XXXX XXXX must report accurately, and CRAs like TransUnion must ensure maximum possible accuracy. At least one of these parties is failing their duty, and I am being harmed as a result.

Requested Resolution I request that CFPB require XXXX XXXX and TransUnion to : 1. Immediately correct the derogatory coding and accurately reflect my XXXX XXXX account as Open/ In good standing.

2. Provide written confirmation that the error has been corrected.

3. Review my secured card for a credit limit increase as promised.

4. Address the poor customer service I experienced when raising 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 non-monetary relief
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-25 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:
XXXX XXXX XXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
XXXX XXXX XXXX- I was never late on this account, please remove late payment history.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
Transunion will not process an identity theft block for XXXX XXXX XXXX XXXX because there is XXXX  months of payment history. XXXX admitted that police report and notarized FTC identity theft report not being used in previous investigation, causing me to resend the report for months and then marking my submission frivolous. 

XXXX XXXX XXXXXXXX XXXX asking for police report to permanently delete account so i am sending again.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
When I noticed my monthly payment for my student loan increased from {$270.00} a month to {$440.00} a month, I called Nelnet and was told the loan was never redisclosed as it should have been when I made a large $ XXXX payment in XXXX. The agent explained to me it will take a few days to process the redisclosure, and that this should lower the monthly payment down from {$440.00}. I never received any kind of information other than logging on to my account and seeing a notice saying my monthly payments are going to increase. 

I called again and the agent I spoke with tried to hold me accountable for agreeing to have the loan redisclosed during my phone call above. He repeatedly asked " Why did you agree to redisclose the loan? Why didn't you decline the redisclosure? '' I stated the agent I spoke with took it upon herself to send the loan for redisclosure, and since I was told this will lower the monthly payment, I saw no reason to challenge or object, and was unaware I even had the right to do so. Why would I object to a lower monthly payment? 

I called a third time and spoke to another agent who stated " For whatever reason, the loan was never redisclosed in XXXX  as it should have been when you made the large $ XXXX payment. You have the option to suspend payments for 12 months during which you can make your normal $ XXXX month payments. " I am asking you to please investigate the reason for Nelnet 's failure to adequately redisclose my loan in XXXX after I made the approximately {$9000.00} payment in XXXX. ( In addition to a handful of other payments that were greater than the monthly amount ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I enrolled in automatic payments with Capital One to ensure timely payments and responsibly reduce my balance. Instead, Capital One has repeatedly applied fees that reduced my principal, which caused my automatic payments to register as less than the minimum due. This triggered additional late and processing fees, compounding my balance and creating a cycle that has continued for years despite my consistent payments. 

I have already verified and adjusted my autopay settings, contacted Capital One customer service multiple times, and requested review and reversal of the fees. These steps have not resolved the issue. 

As a result, I have been left with years of unnecessary debt, severe damage to my credit, and the loss of access to other financial options to safeguard my family. Capital Ones practices in this matter are unfair, harmful, and predatory. 

I am formally requesting that Capital One : 1. Conduct a full review and disclosure of all account activity, including how payments were applied and fees assessed.

2. Provide a transparent explanation of findings in writing.

3. Reverse all improperly accrued fees and penalties and recalculate my balance accordingly.

4. Correct any negative credit reporting tied to this cycle. 

This matter requires full accountability and resolution, not partial adjustments. I expect Capital One to provide complete transparency and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>. I was contacted by a chase number. Which I verified on XXXX as a chase number that my Zelle account was hacked I had hung up on the phone a couple of times and they called me back with the XXXX number. They also sent me a Zelle fraud alert to my phone. The person on the phone instructed me to go into my Zelle account to reset it I did as then said and put numbers into my Zelle account at the end. The guy told me to process it and money was taking out of my account twice. I checked my XXXX account And saw that payments were pending. I immediately called XXXX with the number on the back of my card and reported that I think I was just fraud. XXXX put a lock on my account, but unfortunately, the money already was processed and taken out. A couple of days later, I was notified by another chase number That my account was locked out and I needed to give them my ID and my passwords. I immediately hung up on them and call XXXX back chasing for me that there was little or nothing they could do for me so I went to the nearest XXXX bank and spoke to the manager there. They reset my online account and the money was indeed taken out of my account and there was little or nothing they could do. The bank XXXX was aware of this fraud and said there was nothing that they could do. I think its unfair that XXXX is aware of this fraud and hes doing nothing to protect us consumers. I have screenshots of the XXXX numbers that they called me from and a picture of the fraud number that they sent to me all this look very legitimate. PS they removed XXXX and {XXXX} from my account to make a total of XXXX that was removed from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
From XXXX XXXX thru XXXX XXXX, 2025, I tried repeatedly ( XXXX times ) to contact Experian Credit Bureau ( the absolute WORST and most unhelpful of the three bureaus but XXXX XXXX is running a close second ) to remove a FRAUD ALERT from my credit report. When I called numerous times, I was unable to connect with a representative because the automated machine kept sending me texts and those indicated that " Something went wrong. '' This happened repeatedly. I tried to register for an account on Experian but again, the site told me to call, and subsequently I went around and around never connecting with any live agent. or being able to register online. Finally, I told the automated system that I had a " Dispute '' ( I don't but it's the only way apparently to get a live agent ) and was connected with a live agent. Again, I could barely understand him. He then asked me all sorts of questions and told me the Experian system could NOT send me a text nor could they ask me security questions. He didn't know why. He was almost IMPOSSIBLE to understand and his phone connection was AWFUL ( sounded like he was underwater ). Anyway, I then asked him how I could have the Fraud Alert removed and he proceeded to tell me I had to WRITE A DETAILED LETTER to the company ( some XXXX XXXX XXXX Texas ) and provide ALL OF MY PERSONAL INFORMATION! I've already provided it to him. But he said that was the only way to do it, sending copies of driver 's license, utility bills, SS number and card copy, photo ( which would be on my DL ), and other items.NO WAY was I going to send all this to some godforsaken XXXX XXXX XXXX Texas. I then asked when I would know if the XXXX XXXX was removed- and he had no idea. I finally hung up. The credit bureaus have gone to he * * in a handbasket.

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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: SC

Complaint narrative:
Complaint Narrative ( Credit Control , LLC {$610.00} account ) I am filing this complaint against Credit Control , LLC regarding an alleged account balance of approximately {$610.00}. 

On XX/XX/year>, I sent Credit Control , LLC a written cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite this notice, I continued to receive multiple emails from the company after that date. I then sent a second cease and desist notice to ensure there was no confusion. 

Credit Control , LLC has admitted in its own email disclosures that this debt is beyond the statute of limitations and can not be sued upon. Continuing to send collection emails after receiving my written cease and desist constitutes harassment and a violation of the FDCPA. 

I have preserved copies of : My cease and desist notices Their subsequent emails Their disclaimers acknowledging the debt is outside the statute of limitations

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