vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: MO

Complaint narrative:
First, I didn't even know my loans were through Edfinancial. I had an outstanding bill with my school and every month I would get the bill in the mail and pay it. Assuming my loans would be the exact same, I would receive the bill amount in the mail and set up payments the same way I did for the bill I was paying. But instead, I never received anything in the mail from Edfinancial. They never properly notified me about my loans. The company only attempted to reach me through automated messages and I only remember that a few times. With the amount of scammers there are, it didn't seem trustworthy and surely they do that on purpose so they can continue to ruin peoples credit. Which isn't fair when I worked my whole life to get it to where it was. I never have received any written correspondence to my mailing address. Because of this lack of proper communication, I believed these calls were potential scams. As a result, I did not know my loans were considered delinquent until I noticed my credit report dropped more than XXXX points. Once I became aware of the situation, I immediately paid the amount needed that I had " missed : and set up payments going forward. However, Edfinancial reported so many late payments to the credit bureaus, damaging my credit score tremendously. This is unfair as I was never given proper mailed notice of my loan status or delinquency, despite Edfinancial 's legal obligation to provide clear and reliable communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-09-11 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
On XX/XX/year>, Capital One closed my credit card account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my Experian credit file regarding the account listed below : Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Reported Balance : {$3800.00} Upon careful review, I found multiple inaccuracies with this accounts reporting : 1. Late Payment Reporting Errors : Experian currently shows one ( 1 ) late payment. However, the other credit bureaus are reporting this account inconsistently. XXXX  shows six ( 6 ) late payments, while XXXX  shows one ( 1 ) late payment. This inconsistency suggests that the late payment information Experian has reported may be inaccurate or unverifiable. 
2. Date Reporting Inconsistencies : Experian lists the account Date Opened as XX/XX/year>, whereas XXXX lists XX/XX/year>. This discrepancy indicates that Experian may be reporting incorrect or unverified data. 
3. Balance Verification : The reported balance of {$3800.00} requires full verification to ensure it is accurate as of the most recent reporting cycle.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: VA

Complaint narrative:
To Whom It May Concern, This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I recently became aware of your reporting and/or collection activity regarding the above-referenced account. 

Please be advised that I dispute this debt in its entirety and request full validation. Until you provide proper validation, you must immediately cease all collection activity and cease furnishing information to any credit reporting agencies, as required under law. 

Accordingly, I demand that you provide the following documentation : 1. Proof of Debt & Legal Obligation - The name and address of the original creditor. 
- The original signed agreement or contract bearing my signature that created the alleged obligation. 
- A full itemized accounting of the alleged balance, including principal, interest, late fees, penalties, and any other charges, with the legal/contractual basis for each. 

2. Proof of Your Legal Right to Collect - Documentation establishing that you are the rightful owner of the debt or have been legally assigned the account ( including the bill of sale, assignment, or chain of title from the original creditor through any prior owners ).

- Proof that your agency is licensed and authorized to collect debts in my state, including your license number and registered agent information.

3. Statutory Verification - The date of the last payment made on the account.

- Verification that the alleged debt is within the statute of limitations for collection in my state.

- Proof of compliance with 15 U.S.C. 1692e ( 8 ) ( prohibition of reporting disputed debts without notice ). 

Notice of Rights & Remedies - If you can not provide full validation, you must immediately notify the credit bureaus to delete this tradeline from my credit file. 
- Any continued reporting, collection, or transfer of this debt without proper validation will constitute a violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

- Such violations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as civil litigation under 15 U.S.C. 1692k for damages, attorneys fees, and costs. 

I request a full and complete response within 30 days of receipt of this letter. Please send all correspondence by mail only to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Unauthorized inquiries continue to show up on my credit report this morning, and I am very frustrated that refreshing the page did not resolve the issue. I need the documents I provided to be checked thoroughly immediately to put my mind at ease.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
To Whom It May Concern, This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I recently became aware of your reporting and/or collection activity regarding the above-referenced account. 

Please be advised that I dispute this debt in its entirety and request full validation. Until you provide proper validation, you must immediately cease all collection activity and cease furnishing information to any credit reporting agencies, as required under law. 

Accordingly, I demand that you provide the following documentation : 1. Proof of Debt & Legal Obligation - The name and address of the original creditor. 
- The original signed agreement or contract bearing my signature that created the alleged obligation. 
- A full itemized accounting of the alleged balance, including principal, interest, late fees, penalties, and any other charges, with the legal/contractual basis for each.

2. Proof of Your Legal Right to Collect - Documentation establishing that you are the rightful owner of the debt or have been legally assigned the account ( including the bill of sale, assignment, or chain of title from the original creditor through any prior owners ).

- Proof that your agency is licensed and authorized to collect debts in my state, including your license number and registered agent information.

3. Statutory Verification - The date of the last payment made on the account. 
- Verification that the alleged debt is within the statute of limitations for collection in my state.

- Proof of compliance with 15 U.S.C. 1692e ( 8 ) ( prohibition of reporting disputed debts without notice ).

Notice of Rights & Remedies - If you can not provide full validation, you must immediately notify the credit bureaus to delete this tradeline from my credit file. 
- Any continued reporting, collection, or transfer of this debt without proper validation will constitute a violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

- Such violations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as civil litigation under 15 U.S.C. 1692k for damages, attorneys fees, and costs.

I request a full and complete response within 30 days of receipt of this letter. Please send all correspondence by mail only to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my active auto loan with XXXX XXXX XXXX, account number XXXX, date opened XX/XX/year>, is not appearing on my XXXX and TransUnion reports, it reports only XXXX  I have been making regular, on-time payments and confirmed with XXXX that my account is in good standing. Despite this, the loan has never been reported to the credit bureaus. I contacted XXXX XXXX XXXX directly and requested that they furnish the account information to the credit reporting agencies, but the issue remains unresolved. This omission affects my credit profile by not showing my installment loan history, which could help improve my credit standing. I request that the Consumer Financial Protection Bureau investigate this matter and urge XXXX XXXX XXXX to begin reporting my loan account to all three major credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). I am attaching statement from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief