vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> : Made payment a few days after due date but within grace period - Chase falsely calls this " late '' XX/XX/year> : Last statement showed {$24000.00} credit limit with no mention of changes XX/XX/year> : Chase claims to have sent notice of credit limit reduction ( BURIED online notice that required chat assistance to locate ) XX/XX/year> : XXXX  credit limit reduction to {$9000.00} when purchase was DECLINED at point of sale XX/XX/year> : Received written notice in the mail telling me about the credit limit reduction from {$24000.00} to {$9000.00}. 

Current Status : Balance of {$8600.00} on {$9000.00} limit = 94 % utilization ( was 34 % before ) Chase lowered my credit limit prior to notifying me and well before the 45 day advance notice that is required by law. I did not even receive a notice until today XX/XX/year>. I found out because multiple purchases were declined and upon investigation of my account, I saw that they had lowered my credit limit from {$24000.00} to {$9000.00}. I had to hunt through their website and have assistance to find the letter which was inconspicuously posted only the day before I found out. It was not sent to me prior. This has caused a hardship for me because of the declined purchases as well as the impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've attempted purchases both online and in person on two Amex XXXX XXXX with a balance of {$500.00} on each card. It has declined at over 10 places on both cards, when I called they said that there was nothing wrong with the cards and to keep trying. I kept trying and it was declined at a hair salon, at XXXX, and on XXXX. A gift card should be able to work at any place I want to make a purchase and it will not go through in person or online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: TX

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 XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX - 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX DOB : XX/XX/XXXX [ Date ] XX/XX/XXXX Re : Dispute of Inaccurate Reporting Capital One Bank USA ( 15 U.S.C . 1637a and FCRA 611 ) To Whom It May Concern, I am disputing an inaccurate late payment reported by Capital One Bank USA on my XXXX  credit file, dated XX/XX/XXXX. 
Creditor Name : Capital One Bank USA XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Reported Inaccuracy : 30-day late payment for XX/XX/XXXX This reporting is invalid because Capital One failed to comply with its disclosure obligations under 15 U.S.C. 1637a, which requires issuers of open-end credit accounts to provide clear written disclosures regarding due dates, billing cycles, and applicable payment terms. If these disclosures were inadequate or not properly delivered, the late payment is not valid.

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate and correct disputed information. Further, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates you to ensure maximum possible accuracy.

Therefore, I demand that this late payment be corrected to Pays As Agreed/Never Late ( PAANL ) on my XXXX  credit file.

Please provide written confirmation of the results of your reinvestigation and an updated copy of my report reflecting the correction. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
My loans were in repayment under the XXXX act. I was happy to pay them off this way. Then, XXXX was paused and the loans put in forbearance with a guarantee that no interest would be charged. At some point MOHELA got ahold of my loans, and in XX/XX/year> decided to charge me interest for the time I was PROMISED BY THEM AND US GOV that I would not be charged for interest while still on the XXXX plan. If I knew this would happen, I would have changed plans but I thought the government would protect me- they did not. And now I owe MOHELA an extra XXXX that they ARE NOT ENTITILED TO. They are actively scamming borrowers by charging for interest that was handled by forbearance. I have screen shots to show my loan account in XX/XX/year> vs XX/XX/year> and how they charged me prices that made no sense for my loans. This must be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, my credit report began showing multiple student loan accounts from DEPTEDNELNET. There are at least ten separate tradelines, each with a balance ranging from about {$160.00} to {$5700.00}, all marked In good standing.

I believe these accounts are duplicate and inaccurate. I should not have this many separate tradelines for the same student loan servicer. The multiple listings are misleading, artificially inflate my total debt, and may harm my credit profile.

I am requesting that the credit bureaus and the furnisher ( DEPTEDNELNET ) investigate these accounts and delete any duplicate or inaccurate tradelines that do not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
this involves capital One- bank- I have filed a grievance with NC XXXX XXXX XXXX XXXX and they did an investigation and basically said I was not eligible for an " XXXX '' XXXX  and no error found with the XXXX Billing? I don't know how this is possible when ALL the charges stem from a Membership renewal to XXXX XXXX which i called and specifically asked them to CANCEL in XXXX of last year XXXX. I received a new bill in XX/XX/XXXX for the renewal! I have been calling them almost monthly asking them to cancel this and the actual card has been cancelled. They have been adding late fees to the bill and now it is up to {$160.00}! I am NOT going to pay that for a renewal on a card which I didn't even use! It was JUST for a Membership card- I didn't purchase anything. IF I had purchased something I would've gladly paid it. Now I am told they are going to report me to the credit bureau.... I would like them to reduce the fee to the original {$55.00} fee- I will pay that, reluctantly, OR they can report me to the credit bureau- and I won't pay anything. I Just do not see the purpose of paying for a card I DONT USE and especially NOT LATE FEES on the said card. PLEASE HELP! Thank you so much!!!! Good rule of thumb- do not do business with CAPITAL ONE!!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

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 XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete the above accounts from my credit file immediately unless you can provide complete, verifiable, and accurate documentation supporting them. 

Provide me with the full investigation file for these accounts, including all correspondence with furnishers. 

Ensure no previously deleted or disputed accounts are reinserted without proper certification and required consumer notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Payments were deferred until done with school and they did not hold up end of agreement and put incorrect late payments on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
n 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX-2025

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 2025-09-30 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: NV

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error The creditor 's failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of the accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX .As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TOYOTA FINANCIAL SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. TOYOTA FINANCIAL SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

TOYOTA FINANCIAL SER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
In XX/XX/ 2025, XXXX reported my account as 90 days late across XXXX, Equifax, and XXXX. This is factually impossible, as XXXX had already reported the account current in XXXX and XX/XX/2025. A 90-day delinquency requires three missed months, which did not occur. 

On XX/XX/2025, I spoke with XXXX agent XXXX XXXX XXXX # XXXX ), who admitted XXXX policy is not to report 30- or 60-day lates, but to wait and code accounts directly as 90 days delinquent. This policy creates false and misleading credit reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ). XXXX also refused to log my dispute or provide a case number, violating FCRA 623 ( a ) ( 8 ). 

I disputed this with XXXX and all three CRAs by certified mail. XXXX responded with a boilerplate denial. On XX/XX/2025, XXXX  closed my dispute stating XXXX had verified the 90-day late and left it on my report. The same false report appears on Equifax and XXXX. 

This error dropped my credit score by over XXXX points, directly threatening my pending mortgage approval and likely costing tens of thousands of dollars in higher interest over the life of the loan. My familys housing is now at risk. 

All I have gotten is boilerplate rejections ; this is seriously harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
In XXXX 2025, XXXX reported my account as 90 days late across Experian, XXXX, and XXXX. This is factually impossible, as XXXX had already reported the account current in XXXX and XX/XX/scrub> 2025. A 90-day delinquency requires three missed months, which did not occur. 

On XX/XX/year>2025, I spoke with XXXX agent XXXX XXXX XXXX # XXXX ), who admitted XXXX policy is not to report 30- or 60-day lates, but to wait and code accounts directly as 90 days delinquent. This policy creates false and misleading credit reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ). XXXX also refused to log my dispute or provide a case number, violating FCRA 623 ( a ) ( 8 ). 

I disputed this with XXXX and all three CRAs by certified mail. XXXX responded with a boilerplate denial. On XX/XX/year>2025, Experian closed my dispute stating XXXX had verified the 90-day late and left it on my report. The same false report appears on XXXX  and XXXX. 

This error dropped my credit score by over XXXX points, directly threatening my pending mortgage approval and likely costing XXXX  of XXXX  of XXXX  in higher interest over the life of the loan. My familys housing is now at risk. 

All I have gotten is boilerplate rejections ; this is seriously harming 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I checked my credit report and I found error on my information that I need this removed from the credit report. I reported an issue to all 3 credit bureaus and no reply back and there has been a Data Breach with Trans Union and Equifax and I also have a PIN with the IRS do to they stolen my identity. Please help me resolve this matter. 

Hard Inquiries : 2 accounts 1. XXXX XXXX  Inquiry XX/XX/XXXX NOT MINE 2. XXXX XXXX Inquiry XX/XX/XXXX NOT MINE Collections 2 accounts XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1600.00} XXXX XXXX Reported XX/XX/XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This company is violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed an inaccurate account on my consumer report. I have made many several attempts to fix this issue with them directly. I'm entitled to {$1000.00} for every violation I listed. They need to either pay me or delete this account 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 2025-09-30 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: NJ

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additional addresses that were wrongly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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