vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NH

Complaint narrative:
The debt is from XXXX  confirmed by the debt collector but they refuse to remove it from my credit report after XXXX years because I still owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX XXXX  XXXX / XXXX, which has caused my credit score to drop by over 100 points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX  raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. This is not my account, this is fraudulent. - Delete Account Immediately for violation of 15 USC 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am filing this complaint against Experian for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) involving the inaccurate and unverified reporting of XXXX derogatory items on my credit report : XXXX. XXXX XXXX  Bankruptcy XXXX XXXX : XXXXXXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX I first submitted a formal written dispute to the credit bureau on [ Insert date of first dispute ], clearly citing my rights under FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), and 605 ( a ). I demanded that they verify these items with original source documentation or delete them, as they appear to be inaccurate, incomplete, unverifiable, and/or outdated. 
The bureau either failed to respond or responded without providing any legally sufficient verification. Instead, they claimed the items were verified without disclosing how or with what evidence. According to FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. 
Additionally, I submitted a second dispute on [ Insert date of second dispute ], again requesting verification or removal. The bureau continued to report the same inaccurate items in violation of : FCRA 611 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) ( A ) failure to conduct proper reinvestigation and delete unverifiable data FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 605 ( a ) continued reporting of potentially outdated information FDCPA 809 ( b ) ( if child support was placed with a collector ) failure to validate debt These actions have caused harm to my creditworthiness and violate my rights under federal law. I am requesting the CFPB to investigate these violations and require the credit reporting agency to : Provide full documentation used to verify the accounts, or Permanently delete the inaccurate/unverifiable items from my credit report I also reserve my right to seek legal counsel to pursue remedies under FCRA 616 and 617, which allow for statutory and punitive damages.

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 2025-05-09 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: VA

Complaint narrative:
Request for Removal of Personal Information Under 15 U.S.C. 16811681x ( FCRA ) To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., to formally request the removal of specific personal information from my credit report that is inaccurate, outdated, or otherwise unverifiable.

Under 15 U.S.C. 1681g ( a ), I have the right to request all the information in my credit file, including the sources of that information. I have reviewed my credit file and identified the following personal information that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is either outdated, not associated with me, or unverifiable. Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to determine the accuracy of any disputed information and delete or correct any information that is found to be inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681c ( a ), certain types of information may not be reported beyond a specified period. Although this provision typically applies to adverse information, it reinforces the importance of maintaining accurate and current personal data in a consumers file.

Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my report. Maintaining obsolete or incorrect personal data directly contradicts this statutory obligation.

If the disputed information can not be verified, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). You are also required to notify me of the results of your reinvestigation within 30 days, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ).

I am requesting the removal of the information listed above from my credit report across all reporting formats. Please send me written confirmation once the removal has been completed, or documentation supporting your determination if the information is not removed. 


Thank you for your prompt attention to 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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I opened a CareCredit account with synchrony Bank in XXXX and they closed my account without any notice to me in XX/XX/XXXX. They have claimed they sent a letter in the mail, but they did not and have never notified me by mail. The manager would not confirm the address on file that it was sent too which is very suspicious, but wanted me to confirm it again for them. Im sure to send it now to the correct place. They have claimed they emailed me about this issue, but they did not yet I get countless ads and newsletters from their email every single day. This is the second time synchrony bank has closed an account of mine when it hasnt been used within a year, even though its paid off and my credit is in good standing. Instead of raising the rate or telling me that my rate would change based on my current credit score which would be normal bank practice, they instead opt to close a {$15000.00} credit loan and a XXXX store card loan causing my credit to tank drastically due to total credit card usage. I have a credit score of XXXX and it was always in the XXXX until XXXX but it dipped to XXXX temporarily and they said they closed my account during a quarterly check. Synchrony bank is consistently predatory and is actively trying to ruin its customers credit, and this is not the first time. They have sent me countless emails to use a card they have now closed wanting me to max it out. They have done this to many customers, not just me. I requested this account reopened, I should not have to do a hard credit pull again after them closing it but they will not help in any way. I have always paid my loans on time with every line of credit my payments are at 100 % o time payments with transunion and there is absolutely no reason for this closure. Any closure is going to affect my credit and my life drastically, and I will be reporting synchory bank everywhere like 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a closed account being falsely reported XXXX times via. On Friday, XX/XX/XXXX Capital One 's employee XXXX, ID # : XXXX XXXX, stated he would escalate inquiry because he confirmed the account is closed. Capital One falsely reported over 46 times to two credit bureaus personally attacking my credit score. instead of three of the late payments. They no way to pay it as it is closed on the app. I paid and settled this account on XX/XX/XXXX of XXXX. I also have that on record via email from Capital One that I will provide. I will also supply the screenshot of the app stating and quote " Due to delinquency or some other reason Capital One was legally required to charge-off your account. Charged off means your account is PERMANENTLY closed and WILL NOT accrue additional interest or past due fees. '' Therefore if there are no additional fees I want this account removed off of XXXX XXXX XXXX at once. It is not reported to XXXX  and therefore this a fraudulent record of reporting of Capital One and I demand it the closed and settled account with card ending in XXXX be removed from two of the three reported credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MS

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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 2025-05-09 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: MS

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 XXXX, Equifax 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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and Experian are falsely reporting {$0.00} payments as current, misrepresenting payment history, and delaying charge-off beyond the legal limit. This dispute package contains proof of violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and deceptive credit practices. I request immediate deletion or correction. Supporting images and full timeline included.

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 2025-05-10 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-09 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: 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 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 2025-05-09 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