vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate and unverifiable credit information to Experian in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

XXXX XXXX XXXX is reporting my account ( Account # XXXX ) as open and current, while simultaneously reporting 30-day late payments. This reporting is internally inconsistent and materially inaccurate. The payment history grid does not support the alleged late payments, and there is no corresponding billing activity, due date documentation, or contractual evidence to substantiate any delinquency. 

I have disputed this information multiple times directly with Experian and XXXX XXXX XXXX. Despite these disputes, the furnisher has failed to conduct a reasonable investigation and has continued to report the same inaccurate late payment information without providing documentation to verify its accuracy. This constitutes a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 

Additionally, XXXX XXXX XXXX has failed to comply with the Fair Credit Billing Act. I disputed the alleged late payments as billing errors, yet the creditor has not provided billing statements, payment due dates, grace periods, or any explanation showing how or why a delinquency was assessed. Reporting a late payment that can not be substantiated by billing records constitutes an unresolved billing error under 15 U.S.C. 1666. 

At this stage, continued reporting of these late payments is willful noncompliance. The inaccurate information is damaging my credit profile and is being reported without lawful verification.

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 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I started a consumer phone account. With XXXX. I used the account for one day then called and cancelled the service. I was informed the line and account where closed. This was XXXX of last year. I kept receiving bills. I kept calling and they kept assuring me that the account was closed. The bill eventually was passed {$300.00}. I called and spoke to someone who apologized and said she can charge me half for the inconvenience and close the account. I refused as I did not owe the bill and advised I was assured the account was closed. They said the bill was going to go into collections. To protect my credit and after feeling that I had no other choice I paid the {$340.00} on XX/XX/year> with the understanding if I did the account was paid in full and 100 percent closed. Mind you it takes 40 minutes to get ahold of everyone and I needed to move on with my life. I had spent countless hours on hold and knew this money was being extorted from me but again I was willing to pay it so I could move on. I just received a bill in the mail for another {$370.00} and the account is in collections. I have XXXX small children and a full time job along with several health issues. I do not have the time and resources to fight this and I'm in tears. I don't know what to do. I have a credit score of XXXX that I worked very hard for and don't know if this will ever and end and ruin my credit. Please avoid XXXX at all cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NV

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit reports, as I believe they contain inaccuracies or incomplete information. Please review the following details for each bureau : Charged Off Accounts DEPTEDXXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4800.00} DEPTEDXXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5100.00} DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} DEPTEDXXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9400.00} DEPTEDXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} Inquiries XXXX XXXX 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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 2025-12-29 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet improperly serviced my federal student loans by providing an inaccurate Income-Driven Repayment amount and failing to assist me after I reported the payment was unaffordable. Their lack of response and failure to offer appropriate relief caused financial harm and delinquency. I am requesting correction of my repayment status, review of interest capitalization, and compliance with federal servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
CFPB Complaint Letter Unlawful Credit Reporting & Misleading Privacy Setting To : Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone : ( XXXX ) XXXX Date : [ Insert Todays Date ] Subject : Complaint Against XXXX for Reporting to Credit Bureaus Without Notice and Misleading Privacy Option Dear CFPB Complaints Division, I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for what I believe to be violations of the Fair Credit Reporting Act ( FCRA ) and deceptive business practices related to consumer privacy and credit reporting. Summary of Complaint : No Notice of Credit Reporting : XXXX or its collection agency reported my unpaid utility account to credit bureaus without providing me prior written or electronic notice, as required under FCRA 1681s-2 ( a ) ( 7 ). I was unaware that my account would be reported, and this failure to notify me directly caused avoidable harm to my credit score. Misleading Privacy Setting : I had previously selected the Do Not Release My Information option in my XXXX online account settings. The phrasing of this setting clearly led me to believe that XXXX would not share my data outside of its internal systemsincluding with any third parties, collections agencies, or credit bureaus. However, my account was later transferred to a third-party collector and reported to credit bureaus. I received no updated notice, no opportunity to dispute, and no explanation that the privacy setting would not apply to debt collection. Legal and Ethical Concerns : This conduct undermines the intent of FCRA, which is designed to protect consumers from undisclosed and unjustified credit harm. The unclear privacy language misled me as a consumer, constituting a deceptive practice under federal consumer protection laws. As a result of these actions, I have suffered reputational and financial harm without being properly informed or given due process. Action Requested : I am requesting that the CFPB : Investigate XXXX  credit reporting and privacy practices Enforce penalties or require corrective action for FCRA violations Require clearer disclosures for privacy settings that could mislead consumers about what data can still be shared Facilitate removal or correction of the negative credit entry unless proof of notice is provided I am prepared to provide all documentation, including : XXXX account details Screenshot of my privacy setting selection Credit report entries Correspondence ( or lack thereof ) from XXXX or any debt collectors Thank you for your attention to this matter and for your continued protection of consumer rights. Sincerely, 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 2025-12-29 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: MD

Complaint narrative:
CFPB Complaint Letter Unlawful Credit Reporting & Misleading Privacy Setting To : Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone : ( XXXX ) XXXX Date : [ Insert Todays Date ] Subject : Complaint Against XXXX for Reporting to Credit Bureaus Without Notice and Misleading Privacy Option Dear CFPB Complaints Division, I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for what I believe to be violations of the Fair Credit Reporting Act ( FCRA ) and deceptive business practices related to consumer privacy and credit reporting. Summary of Complaint : No Notice of Credit Reporting : XXXX or its collection agency reported my unpaid utility account to credit bureaus without providing me prior written or electronic notice, as required under FCRA 1681s-2 ( a ) ( 7 ). I was unaware that my account would be reported, and this failure to notify me directly caused avoidable harm to my credit score. Misleading Privacy Setting : I had previously selected the Do Not Release My Information option in my XXXX online account settings. The phrasing of this setting clearly led me to believe that XXXX would not share my data outside of its internal systemsincluding with any third parties, collections agencies, or credit bureaus. However, my account was later transferred to a third-party collector and reported to credit bureaus. I received no updated notice, no opportunity to dispute, and no explanation that the privacy setting would not apply to debt collection. Legal and Ethical Concerns : This conduct undermines the intent of FCRA, which is designed to protect consumers from undisclosed and unjustified credit harm. The unclear privacy language misled me as a consumer, constituting a deceptive practice under federal consumer protection laws. As a result of these actions, I have suffered reputational and financial harm without being properly informed or given due process. Action Requested : I am requesting that the CFPB : Investigate XXXX  credit reporting and privacy practices Enforce penalties or require corrective action for FCRA violations Require clearer disclosures for privacy settings that could mislead consumers about what data can still be shared Facilitate removal or correction of the negative credit entry unless proof of notice is provided I am prepared to provide all documentation, including : XXXX account details Screenshot of my privacy setting selection Credit report entries Correspondence ( or lack thereof ) from XXXX or any debt collectors Thank you for your attention to this matter and for your continued protection of consumer rights. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Cash App account. 

On or around XX/XX/year> and XX/XX/year>, I discovered unauthorized transfers totaling approximately {$850.00} and {$20.00} that I did not authorize or initiate. I did not provide my login credentials, PIN, or permission to any third party. 

I promptly reported the transactions to Cash App and filed a fraud dispute. During my interactions with Cash App, I was advised by a representative that submitting information by phone would be preferable to submitting it online. Based on that guidance, I attempted to provide information through phone support. However, the phone-based process did not provide a clear, documented, or transparent method for submitting evidence, and I am concerned that this guidance limited my ability to submit documentation through formal channels. 

Cash App informed me that I had 24 hours to submit all supporting evidence. This timeframe was insufficient to obtain relevant third-party documentation. In particular, the deadline did not allow enough time to contact XXXX to request location or account activity records showing where my phone was and where I was located at the time the transactions occurred. 

Cash Apps records indicate that at least one transaction occurred in XXXX, XXXX. At the time of the transaction, I was physically located in XXXX  XXXX, riding the XXXX XXXX bus toward my residence in XXXX XXXX, XXXX. I was unable to obtain carrier documentation confirming my location within the 24-hour deadline imposed by Cash App. 

As a result, I was unable to submit potentially relevant third-party evidence within the timeframe provided. Cash App denied my dispute, stating that the transactions were authorized, without providing documentation or evidence explaining how that determination was made. 

I requested that Cash App reopen the dispute, conduct a proper investigation, and provide documentation or a clear explanation of how they concluded the transactions were authorized. Cash App denied my request a second time without providing meaningful details regarding their investigation or decision. 

I believe Cash App failed to conduct a reasonable investigation into unauthorized electronic fund transfers, imposed an unreasonable evidentiary deadline, and provided inconsistent guidance regarding how evidence should be submitted. I am requesting regulatory assistance to ensure this matter is properly reviewed and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Payment Corporation
State: TX

Complaint narrative:
This account is not correct and dont belong to me. I contacted the company who they claim this loan come from. I explain to the company of how can they charge me for a service that has not being rendered. In order to charge someone with a dept and the company is still in business and they stop doing business from a reason of a loan doesnt result to fairness. No one should pay for a sever that has not been rendered. They stated that they will contact the Universal and have them to remove the account. No one is responding and they are playing games. I want this account removed US 15 1681

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-29 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:
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 XXXX 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 2025-12-29 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account XXXX XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$20000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5900.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : XXXX XXXXXXXX, 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