vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information. 

To whom it may concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 

Accounts items - XXXX Balance - {$1300.00} Date opened- XX/XX/XXXX Accounts items - XXXX XXXX Balance - XX/XX/XXXX Date opened- {$20.00} I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation.

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information.

Please send an updated copy of my credit report to the above address.

Thank you for your time and help in this matter. 

Sincerely, 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
So i had XXXX as a phone my phone provider and then after a few months after i had switched to XXXX and when i switched to XXXX they told me they was going to pay off the rest of what i owed which is that {$690.00} and they never did. So XXXX should be the one to pay off that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
From XXXX to XX/XX/XXXX, I completed eight XXXXXXXX  courses in the XXXX  program at a nationally recognized online university using federal financial aid. I earned a XXXX XXXX. At no point was I notified of being ineligible for aid or under Satisfactory Academic Progress ( SAP ) review. The institution allowed me to complete coursework and charged full tuition accordingly. 

In XXXX XXXXafter completing the coursesthe university retroactively applied a Financial Disqualification ( FD ) status, citing SAP violations. This action came without warning and contradicted my academic performance. 

The institution also failed to apply a {$1500.00} credit ( related to a Leave of Absence ) until XXXXnearly two years after the disqualification. By that point, my account had already been sent to collections, and this late credit application directly contributed to the inflated balance and negative financial consequences. 

I had documented and approved XXXX accommodations in place during my enrollment, which extended assignment deadlines and allowed XXXX grading flexibility. These were disregarded in the SAP determination, further compounding the error. 

The university offered a one-time 55 % settlement reduction in XX/XX/XXXX, which was revoked after I questioned the accuracy of their billing practices and aid compliance. The institution has since refused to acknowledge its role in the financial harm caused by delayed crediting, misrepresentation of aid status, and retroactive enforcement of disqualification after profiting from my enrollment. 

I am seeking a full investigation into these actions and the correction of my account balance and collections status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
I am disputing multiple late payments on my credit file that are being reported inaccurately by several creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of these accounts list me as an authorized user, and I should not be held liable for those delinquencies. 

Additionally, I submitted disputes and goodwill requests but received no valid documentation verifying the legitimacy of the negative information. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681i ( a ), the furnishers of credit information must investigate and report accurately.

My credit has been seriously impacted by what I believe are either inaccurate, unverifiable, or unfairly attributed late payments, and I am requesting that these items be removed or corrected based on the lack of validation and proper investigation. These payments are affecting my ability to qualify for housing and essential financial resources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the Synapse bankruptcy case, indicating their belief that Synapse may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of Juno which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXX XXXX  XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had {$4300.00} in the account. Since then, I have recovered XXXX from them, leaving {$4300.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I experienced severe anxiety and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
I am filing a compliant because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and the furnisher the late payments remain without proper validation or documentation under 15 USC 1681 S2 a furnisher must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within XXXX  days neither of them have proved sufficient evidence to support the negative reporting.

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 2025-06-29 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: NC

Complaint narrative:
My name is XXXX XXXX ; I am an upstanding North Carolina consumer. I am submitting this notice under oath to inform you that there are material misstatements and unauthorized trade lines on my consumer reports resulting from XXXX  XXXX XXXX ( XXXX XXXX. XXXX ). These trade lines were reported as a result of identity theft, and the placement of this materially false information violates my rights under the following federal laws : 15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2 ( a ), credit agencies must remove information obtained through identity theft once they get an appropriate report. I believe that the entries below on my credit report are outdated, time barred, fraudulent and made through unfair means : A. Fraudulent : XXXX XXXX : Balance : {$4200.00} : Opened : XX/XX/XXXX B. Fraudulent : XXXX XXXX : Balance : {$4000.00} : Opened : XXXX  C. Fraudulent : XXXX XXXX XXXX  : {$300.00} : Opened : XX/XX/XXXX 2024

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 2025-06-29 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: OH

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 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 OF OHIO I looked at my Transunion XXXX Equifax and Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Charges and Lack of Resolution Dear Consumer Affairs, I am writing to formally lodge a complaint regarding unauthorized charges made to my Target credit card, totaling {$1600.00}, for purchases on the XXXX XXXX  that I did not authorize. I recently replaced my XXXX, and upon reviewing my credit card statement, I discovered these unexpected charges. 

As a XXXX, I would never charge anything on my XXXX XXXX account for games . I have proof that my old phone was found in XXXX months later, which underscores my claim that these charges were not made by me. After contacting the XXXX XXXX regarding this matter, I was informed that they would not issue a refund. 

Subsequently, I reached out to my credit card issuer, Target, to report the fraudulent charges. However, my dispute was incorrectly categorized as a general dispute rather than a fraud case. I believe this misclassification has prevented me from receiving the protection and assistance I am entitled to.

I have been in communication with both XXXX and Target but have encountered significant challenges in resolving this issue. Although a representative from Target provided a temporary credit, a supervisor in the fraud department reversed this credit, placing the burden back on my account. I have made consistent payments to avoid any negative impact on my credit report, despite not being responsible for these charges. 

Furthermore, I suspect that my Target card may have been compromised, as I noticed additional unauthorized charges, including gift card purchases, shortly after activating my new card. While I was able to obtain a refund for those charges after considerable effort, I am still awaiting resolution regarding the XXXX XXXX charges. 

I believe I am entitled to a refund for the unauthorized transactions and am seeking your assistance in addressing this matter. I appreciate your attention to this situation and look forward to your guidance on how to proceed. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX : {$1300.00} Amount : {$260.00} I do not recognize these charges and have never authorized or signed any agreement with XXXX XXXX. I requested for them to provide full documentation, including a signed contract or billing statements, showing that I owe these amounts. If such proof can not be provided, I request immediate removal of these entries. 



XXXX. Online ServicesXXXX XXXX Amount XXXX {$2000.00} I dispute this account and have previously requested validation of this debt directly from the creditor on at least XXXX separate occasions. To date, I have received no response or documentation proving that I owe this amount. Under the Fair Credit Reporting Act, if the creditor can not verify this debt, it must be removed from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX I do not recall ever being late on this account. I requested for them to provide a complete history of all payments and delinquencies. 



XXXX. XXXX Account XXXX : XXXX I do not recognize this account. I requested immediate removal as it appears to be fraudulent or reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Bank : Capital one Date : XX/XX/year> Issue : Capital One blocked and replaced my debit card despite I stated several times I did not want to do that. 

I went to a gas station and filled my tank, and the total amount successfully charged was {$21.00}. After I leave the gas Station I got a notification from Capital One App notifying me that a {$120.00} transaction was attempted but failed because there wasnt enough balance. ( That's accurate, there wasnt enough balance to cover this unrecognized transaction ). I noticed the attempt came from the Same Gas station, so I reached Capital One and reported the issue and asked if they could block the merchandising, to make sure they would not attempt to charge it again once I have enough balance. They said they can not block the merchandising. Ive insisted that I have successfully blocked a merchandising before over a similar situation, my call was transferred to someone else and they said they would proceed to block and replace my card. However, I did not lost my card and thats not necessary. I just asked to have the merchandising blocked. I stated SEVERAL TIMES that I did not want to replace my card, and I do not consent/ authorize that. They said they can and will block and replace it regardless of my wishes. I asked to talk to supervisor, my call was transferred and they repeated all over again that my card will be blocked and replaced regardless of my consent.That was a long conversation and I cant emphasize enough how many times I repetead do not block my card. Since today is XXXX Ill have to live without a debit card till Tu/Wed just because they decided so. Ive had set this card as default payment method for online purchases and bills on multiple places, and even for automatic recurring payments.Ill have to replace the card information on multiple places XXXX by XXXX. I might get late fees/ suspended services. While I dont have the new card Ill not be able to make online purchases. Ill not be able to pay bills online. Ill have to withdrawal from ATM which will cost me a fee. Thats all an unnecessary headache that I did not ask for. 

Ive had successfully blocked a merchandising before with Capital One, without have to raplace my card, so I know this is possible. In my understanding they can give me the option to block the card, but it should still be my decision. I am the costumer, the owner of the debit card, and Ive decided I do not want to replace it. Isnt that my right? I would like to know if they can legally overstep my decision. This seems abusive and I feel disrespected as a costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous accounts and inquires, which I have no knowledge of. These are the fraudulent accounts and inquires I have found. 

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

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 2025-06-29 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: TX

Complaint narrative:
The creditor promised me that if I paid, they would ask all three credit bureaus to remove the charge-off account. 
Account XXXX. XXXX They haven't complied with the agreement and that account continues to harm me. 
I have the payment receipt sent by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
The creditor promised me that if I paid, they would ask all three credit bureaus to remove the charge-off account. 
Account XXXX. XXXX They haven't complied with the agreement and that account continues to harm me. 
I have the payment receipt sent by them.

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