vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i was scammed through a company that was suppose to help us pay off debt it was a trading group and the classes were held through video they scammed me the card showed paid and full well they said it was fraud and i told them it was not fraud. i ask to speak with some one and they just totally blew me off. its like they doubled the interest and closed the card. Capitol One is the credit card company and i need this resolved because its unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because several items on my credit reports appear to be inaccurate or improperly reported. I have attempted to dispute these issues directly with the credit bureaus and/or the furnishers, but the information remains incorrect. I am requesting the CFPBs assistance in ensuring that these items are properly investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Account ( XXXX ) : XXXX XXXX XXXX Account No. XXXX Date : XX/XX/XXXX Balance : {$0.00} The charged-off status appears inconsistent with a XXXX balance. I request a full investigation and correction if found inaccurate. 

Inquiries : XXXX XXXX XXXX  XX/XX/XXXX I do not recall authorizing this inquiry. Please investigate and remove if found to be unauthorized. 

Late Payment Reporting : XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account No. XXXX These accounts show late payments that I believe are inaccurate or incomplete. I request verification and removal or correction of any unverifiable or erroneous entries.

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 2025-11-21 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: Experian Information Solutions Inc.
State: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: VA

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: MID FLORIDA FINANCING LLC
State: TX

Complaint narrative:
The furnisher ( XXXXMid-Florida Financing ) is reporting a derogatory remark that is inaccurate and incomplete. The vehicle was sold with multiple undisclosed safety defects and financed at {$14000.00} despite a value of about {$2500.00}. I sent the dealer a certified letter proposing XXXX resolutions and requesting reimbursement for a {$2800.00} A/C repair and loss of income caused by repeated mandatory repair visits. This account is currently the subject of active complaints with the Florida XXXX XXXX and the Florida XXXX XXXX XXXX XXXX. Because the reporting does not reflect the full and accurate status of this disputed account, I request that the item be corrected or removed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Aidvantage continues to perpetuate incorrect information and fraud with respect to my student loans. 

My student loans have been incorrectly and fraudulently mishandled and placed in loan statuses by my loan servicer XXXX going back to at least the year XXXX. Over the last XXXX  years I was often given bad information, steered and placed into loan statuses that were not in my best interest and put me at a great disadvantage with respect to repayment and/or forgiveness. I was also told that during the times I was in school that I had no choice but to have my loans placed in an in-school deferment and that I could not make any payments during this time ; which years later I found out to be incorrect and unlawful. The right to make payments to reduce your student loan balance and/or prevent your student loan balance from growing should have never been taken away from me. 

In XXXX Aidvantage told me that there would be a one-time IDR adjustment done to right the wrongs done by my loan servicer but that I would need to consolidate my loans in order to get the adjustment. I consolidated my loans in XX/XX/XXXX for the sole purpose of receiving the one-time IDR adjustment. When the IDR Adjustment was made I did not receive the proper IDR adjustment. In addition to addressing the issues regarding the statuses I was placed in incorrectly, I am also requesting that there is a manual review of my student loans done, as I have underlying loans that were included in my XXXX  consolidation that date back to XXXX. 

I have asked many times for these wrongs to be made right and for these grave mishandlings of my student loans to be corrected. I should have well over XXXX payments toward IDR forgiveness. I filed a complaint/feedback case on XX/XX/XXXX on the XXXX web-site and as of XX/XX/XXXX it remains as pending in review. 

On XX/XX/XXXX, I asked for Aidvantage to submit my case to the XXXX Ombudsman for an escalated review of my account. In addition, to the case that I filed on XX/XX/XXXX ( Case No. XXXX ), my case has not been resolved. 

I am asking for an expedited review of my account by the XXXX Ombudsman.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Paypal showed an add that says " you received {$200.00}, click to accept money. Given that PayPal is an app on which I can normally receive money, I clicked in it, to at least find how who it was from. I was not expecting any such payment, so I was suspicious. Eventually it became clear that this was a very deceptive lie that was trying to lure me into some scammy offer. PayPal should not be allowed to use its core function to receive users into such things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting that you thoroughly review the following items that are currently appearing on my credit report. The information below is under dispute for accuracy, and I request that you investigate each account and inquiry. 

Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Issue : XXXX  XXXX  issued me a suspense balance refund check that I never cashed, and the check expired. I have been trying to resolve this for over XXXX month, but XXXX is now claiming they can not locate the funds. The check was never negotiated, so the funds legally never left the bank. I have repeatedly asked for research, and the issue remains unresolved. 

Details of the Check : Check Number : XXXX Issue Date : XX/XX/year> Amount : {$3400.00} Timeline : I have contacted XXXX multiple times over the past XXXX weeks. My most recent contact resulted in confirmation number XXXX. I was informed that research was ongoing, but no findings or actions have been communicated. I am being told the funds can not be located, which is not legally acceptable for an uncashed check. 

Why I Need CFPB Help : Because the check was never cashed, the funds should still be present in XXXX of the following XXXX internal accounting locations : The stale-dated / uncashed check ledger The suspense account reversal ledger The escheatment ( unclaimed property ) account The check issuance audit trail XXXX has been unable or unwilling to provide documentation showing where the funds went. They have also failed to reissue the check or return the funds to my mortgage account. 

This is now a servicing compliance issue under the mortgage servicing rules requiring accurate accounting, recordkeeping, and timely remediation of borrower funds. 

Requested Resolution : I am requesting that CFPB require Flagstar Bank to : Provide a documented accounting of where the funds currently reside, and Reissue the refund check or apply the funds back to my mortgage account immediately, and Provide an explanation for the extended delay and failure to locate funds tied to an uncashed check. 

Thank you for assisting with this matter. 

Borrower : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts.Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/year>, Balance : {$0.00} Inquiries : [ No inquiries listed for Experian ] Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-21 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: U.S. BANCORP
State: NY

Complaint narrative:
Elan XXXX XXXX ( also referred to as Elan XXXX XXXX ) is knowingly reporting FALSE late payments on a charged-off account. A creditor can not legally report ANY new late payments after a charge-off, yet Elan continues to furnish rolling delinquencies that are factually impossible. This is a blatant violation of multiple provisions of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 2 ), and 1681s-2 ( b ). Elan has failed to provide proof of ownership, permissible purpose under FCRA 604, proof of authorization, or ANY documentation supporting the late payments they continue to report. They are furnishing unverified, inaccurate, and misleading information and refusing to correct it despite my FTC Identity Theft Report # XXXX. Elan is ignoring its legal obligations, violating federal accuracy and integrity requirements, and causing direct, ongoing damage to my credit profile. Their refusal to validate this account or cease inaccurate reporting demonstrates willful noncompliance with the FCRA. I am demanding CFPB intervention to force Elan to : ( XXXX ) provide full validation of ownership, permissible purpose, and all late-payment records ; OR ( XXXX ) immediately delete the entire account and all related derogatory data from all credit bureaus. Continued reporting without verification is unlawful. I request immediate enforcement 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 explanation