vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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:
DEPT OF ED HAS MARKED MY CREDTI REPORTS FROM TRANUNION, EXXXX XXXX XXXX  LATE FOR THE MONTHS OF XXXX AND XXXX OF 2025. I HAVE BEEN ON A MONTHLY PAY PLAN OF XXXX DOLLARS AND NEVER HAVE I MADE A LATE PAYMENT. MY SCORES DROPPED XXXX POINTS AND WHEN I TRIED REACHING OUT TO THE DEPARTMENT OF EDUCATION FOR MY LAONS NO ONE IS ABLE TO ASSIST ME, THIS IS CRAZY I EMAILED MY MONTHLY PAYMENTS WHICH HAS NEVER BEEN LATE AND ALSO ASKED THE DEPARTMENT OF EDUCATION TO PROVIDE ME A LATE PAYMENT FOR THE MONTHS OF XXXX OF 2025 AND XXXX OF 2025, NO ONE HAS REPLIED VIA EMAIL OR REGULAR POSTAL MAIL AND THIS HAS BEEN OVER 60 DAYS. SO I AM WRITING THIS COMPLAINT FOR THE CONSUMER FINANCIAL PROTECTION BUREAU TO ASSIST ME IN HAVING NOT ONLY THE DEPT OF ED PROVIDE PROOF OF THE LATE PAYMENTS WHICH IS FRAUD, I NEVER BEEN LATE AND FEEL I AM BEING DISCRIMINTED AGAINST, BUT I ALSO NEED FOR ALL THE CREDIT BUREAUS TO PROVIDE PROOF TO ME AS WELL OF THE LATE PAYMENTS THEY REPORT ON MY CREDIT FILE FROM XXXX AND XXXX OF 2025 WHICH DROPPED MY SCORES OVER XXXX POINTS THIS IS NOT FAIR. A TOTAL OF XXXX ACCOUNTS ARE REPORTING LATE HOW CAN THIS BE WHEN I NEVER MADE A LATE PAYMENT I HAVE BE CONSISTENT WITH MY PAYMENTS PLEASE SEE ATTACHED ACCOUNTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. SOME OF THE FOLLOWING ACCOUNTS ARE ALSO DUPLICATE THIS IS UNFAIR INACCURATE AND ALSO MISLEADING TO THE FAIR CREDIT REPORT ACT AND THIS MUST BE FIXED IMMEDIATELY. HOW CAN DEPARTMENT OF ED COMPANY REPORT XXXX ACCOUNTS ME, AND THEN REFUSE TO IGNORE MY TELEPHONE CALLS AND EMAILS THIS IS FRAUD TO MARK ME LATE XXXX MONTHS 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 non-monetary relief
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
DEPT OF ED HAS MARKED MY CREDTI REPORTS FROM XXXX, EXPERIAN AND XXXX  LATE FOR THE MONTHS OF XXXX AND XXXX OF 2025. I HAVE BEEN ON A MONTHLY PAY PLAN OF XXXX DOLLARS AND NEVER HAVE I MADE A LATE PAYMENT. MY SCORES DROPPED XXXX POINTS AND WHEN I TRIED REACHING OUT TO THE DEPARTMENT OF EDUCATION FOR MY LAONS NO ONE IS ABLE TO ASSIST ME, THIS IS CRAZY I EMAILED MY MONTHLY PAYMENTS WHICH HAS NEVER BEEN LATE AND ALSO ASKED THE DEPARTMENT OF EDUCATION TO PROVIDE ME A LATE PAYMENT FOR THE MONTHS OF XXXX OF 2025 AND XXXX OF 2025, NO ONE HAS REPLIED VIA EMAIL OR REGULAR POSTAL MAIL AND THIS HAS BEEN OVER 60 DAYS. SO I AM WRITING THIS COMPLAINT FOR THE CONSUMER FINANCIAL PROTECTION BUREAU TO ASSIST ME IN HAVING NOT ONLY THE DEPT OF ED PROVIDE PROOF OF THE LATE PAYMENTS WHICH IS FRAUD, I NEVER BEEN LATE AND FEEL I AM BEING DISCRIMINTED AGAINST, BUT I ALSO NEED FOR ALL THE CREDIT BUREAUS TO PROVIDE PROOF TO ME AS WELL OF THE LATE PAYMENTS THEY REPORT ON MY CREDIT FILE FROM XXXX AND XXXX OF 2025 WHICH DROPPED MY SCORES OVER XXXX POINTS THIS IS NOT FAIR. A TOTAL OF XXXX ACCOUNTS ARE REPORTING LATE HOW CAN THIS BE WHEN I NEVER MADE A LATE PAYMENT I HAVE BE CONSISTENT WITH MY PAYMENTS PLEASE SEE ATTACHED ACCOUNTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. SOME OF THE FOLLOWING ACCOUNTS ARE ALSO DUPLICATE THIS IS UNFAIR INACCURATE AND ALSO MISLEADING TO THE FAIR CREDIT REPORT ACT AND THIS MUST BE FIXED IMMEDIATELY. HOW CAN DEPARTMENT OF ED COMPANY REPORT XXXX ACCOUNTS ME, AND THEN REFUSE TO IGNORE MY TELEPHONE CALLS AND EMAILS THIS IS FRAUD TO MARK ME LATE XXXX MONTHS 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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXXXXXX XXXX annual premium plan with my Capital One Credit Card for {$390.00}, XXXX XXXX should provide undisrupted service for 360 days. However, my service was expired every 30 days even I followed the XXXX XXXX  's tech team solution " keep the autopay on ''. My service would be restored until I contacted XXXX XXXX  team, otherwise I wouldn't have any wireless service from days to hours. 
After the first 2 times, XXXX XXXX  team guaranteed me they would fix the problem on my line, it happened again on XX/XX/XXXX or XXXX, I decided to not give them another chance and ported out my line, asked XXXX mobile for a refund which they refused because they mentioned the service started more than 45 days ago, I would leave early if they didn't promise to fix the disconnection issue every 30 days. 
So I contacted my credit card bank, Capital One, to dispute the charge. After I filed chargeback, some chargeback team member from XXXX XXXX  contacted me and offered either refund me the unused fee or give them one more chance. I felt sketchy about this strategy and decided leave it to Capital One to defend me. 
After XXXX weeks investigation, Capital One made decision, my request is rejected because I had the service. 

I felt I got betrayed by Capital One. My chargeback request was service unusual disruption, and it was not fixed by the merchandise. Even after I submitted the chargeback solution email from XXXX XXXX  to Capital One bank, they decided to side up with merchandise and XXXX XXXX  once again refused to refund me the unused costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because I believe my federally held student loan data, managed by the U.S. Department of Education or XXXX of its servicers, was exposed in a data breach. I was never notified of any such breach, but I have seen unexplained issues on my credit report tied to student loans. This lack of transparency and potential unauthorized use of my data is a violation of my rights under FERPA ( Family Educational Rights and Privacy Act ). 

Due to this breach, I am experiencing serious financial consequences, including credit damage and negative loan reporting. I suspect the breach may have led to misreporting or unauthorized access that is now showing up on my credit history. I have attempted to correct this information through normal dispute channels, but I have received no resolution or adequate explanation. 

I am requesting that the CFPB initiate an investigation into whether my information was part of a known or unknown breach and whether it was used improperly. I am also requesting that any student loan data affected by this breach be removed from my credit report, or at minimum, thoroughly validated and corrected. I further request accountability from the U.S. Department of Education and/or their loan servicer for failure to notify me and protect my records. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am filing this complaint because I believe my federally held student loan data, managed by the U.S. Department of Education or one of its servicers, was exposed in a data breach. I was never notified of any such breach, but I have seen unexplained issues on my credit report tied to student loans. This lack of transparency and potential unauthorized use of my data is a violation of my rights under FERPA ( Family Educational Rights and Privacy Act ).

Due to this breach, I am experiencing serious financial consequences, including credit damage and negative loan reporting. I suspect the breach may have led to misreporting or unauthorized access that is now showing up on my credit history. I have attempted to correct this information through normal dispute channels, but I have received no resolution or adequate explanation. 

I am requesting that the CFPB initiate an investigation into whether my information was part of a known or unknown breach and whether it was used improperly. I am also requesting that any student loan data affected by this breach be removed from my credit report, or at minimum, thoroughly validated and corrected. I further request accountability from the U.S. Department of Education and/or their loan servicer for failure to notify me and protect my records. 

Thank you for your help in resolving this matter.

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 2025-08-04 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  DC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$22.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. XXXX such fraudulent account is an automobile loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year>, with a reported balance of {$12000.00}. I am requesting that TransUnion immediately investigate, block, and permanently delete this account from my credit report pursuant to the rights afforded to me under the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an automobile loan opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> under account number XXXX with a reported balance of {$12000.00}. I did not authorize or open this account, nor have I ever had any dealings with this creditor. This unauthorized account has resulted in fraudulent hard inquiries and has negatively impacted my credit file. I am requesting that this fraudulent account be permanently removed from all of my consumer credit reports and that any and all collection activity related to this item cease immediately pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-04 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: MO

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 2025-08-04 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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: GA

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the XXXX business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA.

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