vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
Court having issued its Order to Show Cause re : Dismissal ( Lack of Prosecution / No Activity EDCR 1.90 ( d ) ( 2 ) ) on XX/XX/year>2024 ; Court having thereafter reviewed the docket and seeing no additional filings made or other response to the Order to Show Cause provided; and good cause appearing, COURT ORDERED whereas Plaintiffs have failed to take action for more than six ( 6 ) months on a case that has been pending for more than twelve ( 12 ) months, without good cause shown, COMPLAINT DISMISSED without prejudice, pursuant to EDCR 2.90 ( a ).

However even after the court dismissed this case it they still continue to report to all three credit bureaus. I have mailed in copies to each bureau of the dismissal and debt has still not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute three separate delinquency marks reported by Nelnet to the credit bureaus for my federal student loans. I mistakenly missed two loan payments totaling approximately {$200.00}. I take full responsibility for the oversight, and as soon as I noticed the error, I paid the full amount in XXXX and brought the account current. I had lost my job in XXXX, and was struggling to get back on my feet. I had informed XXXX XXXX of my struggle and they refused to pause my payments or give me a smaller amount due per month for just a few months during my rough patch. I am now back on my feet and 100 % on track with any and all payments. I have no other penalties or deliquent accounts on my credit report ever before. 

Despite this being a single loan payment, Nelnet reported three delinquent tradelines, significantly damaging my credit score which dropped over XXXX points. I understand that federal loan servicers are obligated to report accurate information. However, I believe this situation is disproportionate, considering it was a one-time {$200.00} mistake, immediately corrected, with no prior delinquencies. I have been working diligently as a XXXX XXXX XXXX to build my credit score as a solid foundation for my financial well being. This small error now will set me back a year plus! 

I have since paid the full balance due. This score drop has brought me down to as low as XXXX from my XXXX score. I am devastated and completely blown away by how much this has dropped my score. I will be unable to get a new apartment once my lease is up as I dont beleieve I will be able to raise my score those XXXX points by the time I need to begin new applications. 

I have contacted Nelnet to request a goodwill removal of these late marks, but I was informed that they do not remove accurate information. I respectfully ask the Consumer Financial Protection Bureau to assist in reviewing this matter for a possible reinvestigation or goodwill adjustment, as this single error has created an outsized and lasting impact on my financial well-being. 


I have otherwise maintained responsible financial behavior, and I hope this one incident can be reconsidered under reasonable and fair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 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: NC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One for failing to protect me during a fraudulent financial transaction in late XXXX into early XXXX. I used my Capital One account to fund a XXXX XXXX account that was connected to a crypto scam disguised as a lawful investment. 

I later realized it was fraud and explained the situation. Like XXXX and XXXX  XXXX XXXX, Capital One used my honesty against me. Because I admitted to submitting the transfer, they treated it as authorized even though it was induced by deception and lacked lawful consent. 

XXXX eventually flagged the activity and returned {$2100.00} during their internal investigation. But Capital One never returned my original deposits, nor did they offer protection or flag the pattern of suspicious funding. 

I have served a formal Master Notice of Fraudulent Disbursement and Demand for Restitution to Capital One. This complaint seeks to enforce that demand and initiate regulatory review. 

I am requesting full records of all transactions, internal fraud flags, and the return of unrecovered funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I've had my credit card with XXXX  for a long time and has always paid my balance every month. I also always kept my account in great standing and have always thought highly of the store!! It was brought to my attention that jcpenny lowered my credit limit which drastically hurt my credit score!!!! I am furious bevause I am trying to increase my score and pay off some other cards I have, but always keep jcpenny as a priority!!!! This is extremely upsetting but this card service has hindered me when I have been a great customer. Its unfair to treat customers like this especially when you have followed all card policies and paid your balance on time! Ive referred several of my friends and to be treated like this is so disappointing! 

Spoke with XXXX in customer service and XXXX supervisor, were unable to assist me. 

I had a balance of approximately {$800.00} and they lowered my credit limit from {$4000.00} to {$900.00} causing a huge impact to my credit score! Now it looks as though I have maxed out my credit 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 2025-06-16 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: FL

Complaint narrative:
I discovered several unauthorized, several fraudulent accountsincluding a XXXX  XXXX Bankruptcy filing ( Case Number : XXXX ) were opened in my name without my knowledge or consent, credit inquiries and credit cards on my credit report that I did not initiate or authorize. These credit cards and inquiries were made without my knowledge or consent and appear to be the result of identity theft or the unauthorized use of my personal information. The fraudulent inquiries include : XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired XXXX XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX inquired on 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 non-monetary relief
Consumer complaint received 2025-06-16 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 discovered several unauthorized, several fraudulent accountsincluding a XXXX  XXXX Bankruptcy filing ( Case Number : XXXX ) were opened in my name without my knowledge or consent, credit inquiries and credit cards on my credit report that I did not initiate or authorize. These credit cards and inquiries were made without my knowledge or consent and appear to be the result of identity theft or the unauthorized use of my personal information. The fraudulent inquiries include : XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired XXXX XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX inquired on 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 2025-06-17 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: TX

Complaint narrative:
After thoroughly reviewing my credit record, I discovered late payments that I believe require immediate attention and investigation. I sent formal correspondence to the responsible parties over 30 days ago requesting proper validation and documentation for these reported late payments, but I have received no response whatsoever. Their failure to provide satisfactory validation or any meaningful communication regarding these disputed items raises significant concerns about the accuracy and legitimacy of the information currently being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
What happened : On XX/XX/year>2025, I filed a dispute with Chime for a charge of {$20.00} related to goods/services that were not as described. I reported that the product/service I paid for was either misrepresented or did not meet the agreed-upon description. 

Despite this, Chime later closed the case claiming that no error occurred. They did not provide detailed proof, evidence, or breakdown of their investigation. I do not agree with their decision, and I believe I am still owed a refund for this transaction. 

I am requesting this issue be re-reviewed and that I receive a fair resolution and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX and other XXXX XXXXXXXX denied my XXXX  XXXX and Purchase because of Experian, Transunion and Equifax still has XXXX XXXX LOAN XXXX Frauds and Corrupted TXXXX XXXX on my credit reports from after XX/XX/2022 till Present and its XXXX  my credit opportunities..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am writing because I have inaccurate late payments reporting on my Experian and Equifax XXXX XXXX XXXX BANK account XXXX XXXXXXXX. dates of late payments are XXXX, XXXX, XXXX and XXXX of 2020. THESE REPORTED LATE PAYMENTS ARE BEING CHALLENGED AS BOTH FACTUALLY INACCURATE AND LEGALLY IMPROPER, BASED ON THE FOLLOWING FEDERAL XXXX XXXX ( XXXX ) ( A ) ( i ) 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 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: WI

Complaint narrative:
IQ Data is falsely reporting on my credit report. Ive explained to XXXX XXXX XXXX that this account is not mine and belong to someone else. I asked I.Q data are they a XXXX  the name of the apartments thats saying owe them and I was told no. So I asked for a copy of my signature and never received a copy with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-16 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: GA

Complaint narrative:
I am writing because I have inaccurate late payments reporting on my Experian and Equifax XXXX XXXX XXXX BANK account XXXX XXXXXXXX. dates of late payments are XXXX, XXXX, XXXX and XXXX of 2020. THESE REPORTED LATE PAYMENTS ARE BEING CHALLENGED AS BOTH FACTUALLY INACCURATE AND LEGALLY IMPROPER, BASED ON THE FOLLOWING FEDERAL XXXX XXXX ( XXXX ) ( A ) ( i ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Is STILL reporting fraudulent and error items on my credit report

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 2025-06-16 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: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-16 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation