vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX  scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
The Bankruptcy information reported on my account isn't mine please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AR

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 2025-09-15 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Solutions, LLC (KY)
State: TX

Complaint narrative:
CRDT SOLUTNS is falsely reporting on my credit. I have never had any accounts with them. Per my research CRDT SOLUTNS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Higher Education Act ( HEA ), I request that you : 1. Produce the signed promissory note ( MPN ) and a valid chain of assignment/endorsement proving ownership of the loan ; 2. Suspend all reporting, collection, or enforcement actions until legally sufficient proof of debt is furnished ; 3. Delete or correct any tradeline or reporting that can not be substantiated by such documentation ; and 4. Ensure compliance with FCRA, TILA, FDCPA, and HEA going forward.

Please note, internal invoices and employee hearsay are not valid proof of a debt and therefore will not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im submitting this complaint because Ive repeatedly contacted Capital One Auto Finance about my auto loan due to a financial hardship and have received no support or viable options. I received a Notice of Default on my account in XXXX XXXX  and immediately contacted Capital One to explain my situation and request help. 
I am a single parent working full time and struggling to catch up. I scheduled a partial payment of approximately {$280.00}, which is half of the {$570.00} past due balance. I asked if I could split the remainder or apply for a short-term hardship deferment or modification, but every representative has told me there is no help available other than paying the full amount. 
Ive called the customer service line multiple times ( including most recently on XX/XX/year> ) and requested escalation. I even specifically asked for the Account Resolution or Loss Mitigation department and was told no options exist, just pay the full balance. This feels deeply unfair given that Im trying to resolve the issue in good faith. 
Capital One has shown no flexibility, compassion, or willingness to offer even basic hardship accommodations, despite my record of reaching out before repossession proceedings begin. 
I am requesting : A short-term hardship arrangement ( such as a one-month deferment or payment split ), Or a temporary forbearance, Or any arrangement that reflects a reasonable effort to avoid default and repossession while I stabilize financially. 
I would appreciate the CFPBs help in getting a response from someone at Capital One who is empowered to work outside the automated system and consider my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  In XX/XX/XXXX, Fair Collections & Out XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I applied for a SoFi personal loan to pay off my high interest credit cards. It was a XXXX loan starting on XX/XX/year>. They had a promotion to lower the rate by .25 % if I setup direct payment to 50 % ( i.e. XXXX ) my credit cards. At this point, I had more than XXXX in credit card debt, so I would certainly be able to get this .25 % discount. The issue was that the SoFi app would only allow me to add one of my credit cards. I could not add my other credit cards, so the amount was below the 50 %. I called SoFi and asked them what to do. The agent clearly stated that " their SoFi app had a known issue and that this functionality was not working. '' She continued by assuring me that I would still receive by .25 % discount off my rate after the loan was processed. Thus, I continue with my loan application without adding my other credit cards. I follow up with SoFi after and they tell me that they can not apply the discount because the loan has been underwritten. I tell them the whole story and they say they will look into it and review the call logs. I called back several times ( 5 or more times ) to follow up. I requested the call log with the agent. They never get back to me and each time I call, it's another lengthy discussion ... as if starting from the beginning. Each time they say they created a case #, but I never heard from anyone. Each time I callled back the issue was still just sitting there unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
Re : Complaint ID XXXX This is a formal response regarding Experians failure to provide the Method of Verification ( MOV ) after a reinvestigation request was submitted under the Fair Credit Reporting Act ( FCRA ). 

In response to my original dispute ( CFPB Complaint ID : XXXX ), Experian claimed the disputed accounts were verified but failed to disclose how they verified the information, which is required under 15 U.S. Code 1681i ( a ) ( 7 ). When a consumer requests the method of verification after a reinvestigation, the credit bureau is legally obligated to provide the contact information and description of the procedure used to verify the account. 

Additionally, the information remains inaccurate and unverifiable, which violates 15 U.S. Code 1681e ( b ). This law requires Experian to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. The continued reporting of disputed and inaccurate information without verifiable documentation further places Experian in violation of 15 U.S. Code 1681i ( 5 ), which requires deletion of information that is found to be inaccurate or can not be verified. 

I have already disputed the information and received no tangible documentation, evidence, or contact detail for the furnisher. At this point, I am demanding full deletion of the inaccurate and unverifiable accounts from my credit report, as Experian has not met the standard required under the FCRA to continue reporting them. 

This second complaint is submitted due to Experians failure to comply with legal obligations. I am attaching a full summary and the letters previously sent for your reference. I respectfully request CFPBs assistance in ensuring this matter is resolved with deletion of the disputed accounts and proper documentation provided if Experian continues to claim verification. 

Thank you.

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 2025-09-15 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: MO

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX CARD - XXXX XXXX  - XXXX XXXX  CARD - XXXX XXXX  XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-09-15 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: IL

Complaint narrative:
To whom it may concern, Please accept this notification as a complaint against my servicer, Ed Financial. I called Ed financial in XX/XX/2024 to inquire about better re-payment option for my student loan balance. At that time, I was on the Grad plan and my monthly amount was high. I was informed by the Ed Financial representative that the Save Plan was in limbo, however, it could possibly be a good option for me so I agreed to be placed on the wait list at that time. As of today, I am learning that my account has been accruing interest despite being told it would not since XX/XX/2024 which is unfair and then also I tried to switch back to the Grad plan to re-start my prior plan I was on before XX/XX/2024 and I was told that I can not now re-start my grad plan as of today and that Ed financial can not remove me from the administrative forbearance. The customer service team at Ed Financial is unaware of how to properly conduct business wit customers. Why would a representative add me to the queue for the SAVE plan if this was not an option for me? Why would a representative tell me the administrative forbearance would not accrue interest when it is in fact doing that. Today, Ed financial told me that they can not take me out of the administrative forbearance, but FSA told me today that they are the only entity that can take me out of it and that Ed Financial is very confused. It is extremely hard to make decisions about my loans when Ed Financial is providing the wrong information to customers. I am requesting to be taken out of the administrative forbearance given this decision in XX/XX/2024 was based on incorrect information provided to me by Ed Financial and I am requesting that the interest accrued since XX/XX/2024 be removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies have gained unauthorized access to my credit report, directly harming both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing financial and emotional harm.

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 2025-09-15 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

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