vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX XXXX, for inaccurately reporting the status of a closed account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 and 1681e ( b ). 

The XXXX XXXX account in question has been closed ; however, XXXX XXXX continues to report the account with an inaccurate status that either misrepresents it as open, delinquent, charged off, or otherwise active when it is not. This misreporting is negatively affecting my credit profile, score, and overall financial standing. 

I previously contacted both XXXX XXXX and the credit reporting agencies to dispute the incorrect status and requested a correction per FCRA 1681i. However, no sufficient correction has been made. XXXX XXXX has failed to meet its legal obligation to accurately furnish information and correct any errors after being notified of a dispute. 

Violations include : Failing to report accurate and complete information under 1681s-2 ( a ).

Failing to conduct a reasonable investigation upon receiving a consumer dispute under 1681s-2 ( b ).

Reporting information that is outdated or misleading, which violates 1681e ( b ).

As a consumer, I have the right to : An accurate and fair credit report, Have any incomplete or inaccurate information corrected or removed, and Receive confirmation of the results of a reinvestigation within 30 days. 

This account is closed and should be reflected as such with a {$0.00} balance and no delinquency if none existed at the time of closure. The current reporting by XXXX XXXX is materially false and must be corrected immediately.

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 2025-07-31 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: IL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX, the issuer of the XXXX Card, for inaccurately reporting the status of a closed account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 and 1681e ( b ). 

The XXXX XXXX account in question has been closed ; however, XXXX XXXX continues to report the account with an inaccurate status that either misrepresents it as open, delinquent, charged off, or otherwise active when it is not. This misreporting is negatively affecting my credit profile, score, and overall financial standing. 

I previously contacted both XXXX XXXX and the credit reporting agencies to dispute the incorrect status and requested a correction per FCRA 1681i. However, no sufficient correction has been made. XXXX XXXX has failed to meet its legal obligation to accurately furnish information and correct any errors after being notified of a dispute. 

Violations include : Failing to report accurate and complete information under 1681s-2 ( a ).

Failing to conduct a reasonable investigation upon receiving a consumer dispute under 1681s-2 ( b ).

Reporting information that is outdated or misleading, which violates 1681e ( b ).

As a consumer, I have the right to : An accurate and fair credit report, Have any incomplete or inaccurate information corrected or removed, and Receive confirmation of the results of a reinvestigation within 30 days. 

This account is closed and should be reflected as such with a {$0.00} balance and no delinquency if none existed at the time of closure. The current reporting by XXXX XXXX is materially false and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Subject : Formal Complaint Regarding Account Reopening and Lack of Correspondence I am writing to formally express my frustration and disappointment regarding the handling of my Capital One account and recent communications with their representatives. My account, ending in XXXX, has been the subject of confusion and miscommunication that has caused me significant distress. 

Recently, I contacted the office concerning XXXX case numbers : Capital One XXXX : XXXX and CFPB Case : XXXX. On XX/XX/year>, I received a letter stating my request to reopen my account and indicating that I should respond by XX/XX/year>, to provide additional information needed for the reopening process. However, my case was closed on XX/XX/year>, stating that since I did not respond by XXXX something at XXXX PM, the decision was made to close my account. This is particularly confusing, given that the letter clearly indicated I had until XX/XX/XXXX to respond ( within 60 days ). 

Additionally, my last representative, XXXX, was not able to assist me effectively. I asked if I could email the letter I received on XX/XX/XXXX to expedite my response, but she informed me that they do not accept emails. This lack of communication options has further complicated my situation. 

It feels unjust and unfair that my account was closed prematurely, especially when I was given until XX/XX/XXXX to provide the necessary information. The contradictory nature of their communication has left me frustrated and without a clear path forward. 

I am requesting that Capital One : XXXX. Acknowledge receipt of the letter dated XX/XX/year>, and review it promptly to identify the necessary steps for reopening my account. 

XXXX. Provide a clear and consistent explanation regarding the status of my account, the information required from me, and the steps I should take next. 

XXXX. Clarify their communication policy regarding correspondence to ensure I can meet all requirements on my end. 

I appreciate your prompt attention to this matter and look forward to your response. I hope for a resolution that allows me to reopen my account and clarifies the ongoing confusion. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Dear CFPB, I am submitting a new complaint regarding Nelnet, as my original case ( # XXXX ) was closed without allowing me an opportunity to respond to their submission. XXXX response did not address my key concerns or resolve the issue, and I am requesting a full reinvestigation with all facts taken into consideration. 

Summary of the Issue : Nelnet reported a XXXX delinquency on a student loan I co-signed, which caused a drop of over XXXX points to my credit score. Prior to that, the loan was never reported to any credit bureau, even during periods of forbearance or good standing. 

Key Facts That Were Not Addressed in the Original Review : Failure to Update My Address In XX/XX/XXXX, I spoke directly with a Nelnet representative and provided my new address after relocating from XXXX XXXX XXXX Despite this, all communicationsincluding notices of delinquencycontinued to be sent to my old address and disconnected phone number.

No Prior Credit Reporting History Nelnet never reported this loan to any credit bureau prior to XX/XX/XXXX, when it suddenly appeared as 180 days delinquent. This selective reporting omitted critical context, giving the impression that the loan had always been delinquent when, in fact, it had a history of forbearance and good standing. 

Lack of Proper Notice to Cure Delinquency I was never contacted by phone, email, or mail using my updated contact information. I filed a XXXX change-of-address and updated my information with Nelnet directly. I had no knowledge of missed payments, and no opportunity was provided to resolve the matter before it severely impacted my credit. 
Legal Basis for Dispute : This reporting and communication failure violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

Section 607 ( b ) : Requires credit bureaus and furnishers to follow reasonable procedures to assure maximum possible accuracy.

Section 611 ( a ) : Grants consumers the right to dispute and correct incomplete or inaccurate information.

What I Am Requesting : Immediate removal of the 180-day delinquency from all three credit reports. 

A full investigation into why my XX/XX/XXXX address update was not applied in Nelnets system.

A review of Nelnets failure to report the loan while it was in good standing, which contributed to an inaccurate and misleading credit history. 

A formal response to this complaint before closure to allow for my rebuttal. 

This situation has caused ongoing financial harm and reputational damage. The prior closure of this case without my input denied me a fair opportunity to defend myself. I appreciate the CFPB 's role in protecting consumers and request that this matter be properly reopened and addressed in full. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau / State Attorney General / Mosaic XXXX  Subject : Complaint Against XXXX XXXX and Mosaic XXXX for Deceptive Solar Loan Practices Dear [ CFPB Reviewer / Attorney Generals Office / Mosaic Customer Support ], I am writing to formally file a complaint regarding deceptive sales and financing practices conducted by XXXX XXXX and Mosaic XXXX, related to a residential solar installation at my home in XXXX XXXX Florida approximately five years ago. 



Summary of the Issue : In XXXX, I was approached by a sales representative from XXXX XXXX, who assured me that the solar system would significantly reduce or eliminate my electric bill and that my monthly loan payment through Mosaic XXXX would not exceed {$150.00} per month. I was also told I would qualify for substantial tax credits that would be applied directly to reduce my balance. 



None of these representations turned out to be true : My actual monthly payments are significantly higher than I was promised currently {$220.00}. 

The tax benefits were either misrepresented or inapplicable to my financial situation. 

The loan terms were not clearly explained at the time of signing, and I was pressured to make a quick decision. 

I was not given a full copy of the final loan agreement until after installation, and I feel I was intentionally misled into a long-term financial agreement I did not fully understand. 



Attempts to Resolve : I have contacted XXXX XXXX, who deflected responsibility. 

I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, but no satisfactory resolution was provided. 



I am now paying for a solar system under financial terms I never agreed to or clearly understood, and I feel I have been a victim of deceptive business practices and predatory financing. 



Resolution Requested : I am respectfully requesting one or more of the following remedies : A full investigation into the practices of XXXX XXXX and Mosaic XXXX  regarding their solar sales and loan terms. 

Cancellation or renegotiation of the loan to reflect the original promised monthly cost and fair terms. 

Financial relief or refund for payments made under false pretenses. 

A formal review of Mosaics partnerships with solar installers engaged in misleading consumers. 




I am prepared to provide supporting documentation, including emails, contracts, and payment history. I believe this case represents a clear violation of consumer protection laws and financial transparency obligations. 



Thank you for your attention to this matter. I look forward to your response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

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 2025-07-31 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Ive been involved in several data breaches over the last XXXX yrs. Every other month there are random inquiries that I didnt not authorize. Im at work and I just had 4 new inquiries pop up. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in addition to the previous inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these unauthorized inquiries

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Ive been involved in several data breaches over the last XXXX yrs. Every other month there are random inquiries that I didnt not authorize. Im at work and I just had 4 new inquiries pop up. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in addition to the previous inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES : XXXX XXXXXXXX XXXX  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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 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: NC

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. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief