vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: MA

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 2025-10-22 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that do not reflect the highest level of accuracy required under the Fair Credit Reporting Act ( FCRA ). These errors have been weighing heavily on me and are continuing to affect me negatively. These are difficult times, and it would truly be a great help even a blessing if these inaccuracies were properly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: EdFinancial Services
State: MN

Complaint narrative:
I attended The XXXX XXXX XXXX Minnesota and graduated in XXXX. 
I took out student loans through EdFinancial ( and possibly partner lenders ) to finance my education. School closed permanently in XXXX. 

The school misrepresented its accreditation status, job placement rates, and career outcomes. I was led to believe the school was fully accredited and that graduates had strong job prospects in my field. These representations influenced my decision to enroll and borrow. 

The XXXX Department of Education has since found that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), engaged in widespread and substantial misrepresentations from XXXX to XXXX. The Department approved a group Borrower Defense discharge for students with federal loans during this period. 

My loans, however, were private and consolidated under XXXX. I am seeking review, relief, or discharge of these private loans based on the same misrepresentation and fraudulent conduct that led to the federal loan cancellations. 

Please investigate XXXX role in originating or servicing these loans and determine whether relief is available under private loan misrepresentation or unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
Hi I need to report my XXXX store credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have paid off these accounts in full but the credit reports are showing them as open and XXXX days past due. Please update this information as these negative reports are hurting my credit. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
Hi I need to report my XXXX store credit card accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have paid off these accounts in full but the credit reports are showing them as open and XXXX days past due. Please update this information as these negative reports are hurting my credit. Thanks!

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 2025-10-22 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: WA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

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 2025-10-22 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: CA

Complaint narrative:
Statement for CFPB Complaint : I am a verified human XXXX victim. In accordance with Section 605C of the Fair Credit Reporting Act, I submitted all required documentation to Experian, including proof of my victim status and formal requests for removal of adverse information related to my XXXX situation. 
Despite providing all documentation exactly as required multiple times and within the proper timeframes Experian continues to reject or disregard my submissions without valid explanation. These rejections have prevented the correction and removal of harmful information from my credit report, resulting in ongoing financial and emotional harm. 
I have acted in full compliance with all CFPB and Experian requirements and deadlines, yet Experian has failed to process my forms as required by law. I am requesting CFPB intervention to ensure Experian immediately reviews and accepts my documents, and fully removes all negative items tied to my XXXX  experience.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Ive been using Zelle for years now. Ive never been contacted about an issue with my account or any purchases coming or going within my Zelle. On a random day I checked my email and noticed I received XXXX emails stating my number and email has been deactivated but with no cause. I contacted my bank in which they responded that they could not do anything because it was Zelles decision and to contact them for further assistance. Once I contacted Zelle I asked for the reason and information to appeal the decision in which they responded that there isnt a reason and I can not appeal the decision. I asked for more information on why this decision happened and what I can do to prevent it happening in the future. I was then told I can not do anything to change this decision/zelle will not be available to me anymore and that isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OH

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: CA

Complaint narrative:
XX/XX/year> currant balance due was {$7000.00} encluding XXXX XXXX XXXX payment there were XXXX payments due and a payoff was sent on XX/XX/year> FOR {$7000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY LOAN WAS PAID OFF FROM THE XXXX from XXXX XXXX payments I paid XXXX payments with XXXX payments due after the Lemon Law SETTLED IT SENT A CHECK TO XXXX for the XXXX payments REMAINING. THE LOAN WAS PAID OFF CAR RETURNED AND SOLD THEN XXXX SAYS I STILL ANOTHER PAYMENT AND IF I DON, T PAY THEY WILL TURN IT OVER TO CREDIT BUREAU THEY SENT DIFFERENT AMOUNTS DUE XXXX XXXX XXXX XXXX XXXX XXXX THEN AFTER THE THREAT FROM XXXX I PAID THE CAR PAYMENT OF {$470.00} so then I ASKED THEM WHERES MY PRINCIPAL MY ACCOUNT IS CLOSED NO ENDING PAPER WORK WHERE THAT MONEY WENT HOW CAN THEY CREDIT MY LOAN IF IT WAS PAID OFF THE LADYS ANSWER XXXX DOES NOT REFUND NO MONEY TO ANYONE. I feel I got ripped off for XXXX more payment that did not need to be made. I want my money back I HAD MY BANK RETURN ME THE MONEY XXXX was paid and they never contacted the bank to reverse the money thy never even called to fight this reverse of money I HAD TAKEN BACK INSTEAD THEY SAID IF i do not pay since XXXX they would contact the credit place and ruin my credit. So I paid and now IM fighting them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-22 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Capital One repeatedly reported late payments on my credit file, even though I mailed physical signed checks ahead of every due date. For unknown reasons, Capital One has consistently failed to process or post my mailed payments, while online payments are accepted and reflected properly. 

This has resulted in numerous XXXX, XXXX, XXXX, XXXX, and even XXXX delinquencies being inaccurately reported, despite my attempts to meet obligations via mailed payments. I have also experienced the same issue with other creditors ( e.g., XXXX XXXX ), indicating a larger pattern where mailed checks are ignored, causing unjust damage to my credit. 

I believe this is a systemic billing or processing failure and should not result in negative marks on my report. I have documentation showing my attempts to pay and am submitting disputes to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
It's an fair ordeal that PayPal stole {$300.00} from me and now they're they're resolution to the problem is for me to not have PayPal anymore after I've had PayPal for XXXX years and they're the ones that stole from me I never stole from them they need to be more fair and they said I violated things in the user agreement I haven't done no such thing I haven't violated any rules that are in the agreement of which I signed so somebody needs some help or need to know the rules and regulations of this stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Source Receivables Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt ( XXXX XXXX Account Number : XXXX Dear Source Receivables Management, I am formally requesting validation of the debt you claim I owe, allegedly originating from a XXXX account. This is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

Please provide the following : A copy of the original signed agreement or contract Proof that you are legally authorized to collect this debt A full accounting of the amount claimed The name and address of the original creditor A copy of any judgment ( if applicable ) While this debt is under dispute, and until full validation is provided, you are required by law to cease all collection activity and must not report, or must remove, this item from any credit bureau. 

If you can not validate the debt within 30 days, you must delete any related information from my credit report and cease further communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
This is a formal dispute and demand for deletion of unauthorized hard credit inquiries currently appearing on my Experian credit report. These inquiries were made without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to investigate and remove any unverified or unauthorized inquiries. 
Per 604 ( a ) ( 3 ) and 611 ( a ), you must provide verifiable proof that I granted written consent or initiated a credit transaction with each of these entities. If you can not produce such documentation within 30 days, you are required by law to delete these inquiries immediately. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. 
ENCLOSURES : - Copy of drivers license - Copy of recent utility bill ( proof of address ) - Copy of credit report showing disputed inquiries I expect written confirmation of deletion within 30 days from your receipt of this letter. You do not have permission to verify these inquiries through third-party databases or stall this investigation. Produce signed proof of authorization or delete immed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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