vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/year>, I paid off my balance due on my synchronization care credit card. I accidently added another XXXX to my account number and the payment didn't go through. Other sites will stop you and tell you that the number was invalid. Synchronys site did not. I now have a XXXX returned check fee that they are refusing to waive. I have been a loyal customer with an excellent credit score over XXXX. I do not want a ding on my credit by not paying the fee. This is wrong and their site should have stopped 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 2025-05-14 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name 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

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 2025-05-14 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: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my account, Account Number XXXX XXXX XXXX, which appears on my credit report. I recently reviewed my credit report and found that XXXX late payments has been recorded for XX/XX/XXXX and XX/XX/XXXX that are incorrect. I have always been diligent in making my payments on time, and I have attached copies of relevant documents as evidence that the payment in question was made on time. As you can see on the copy attached of my most recent credit report, I have indeed made my payments on time which is even confirmed by XXXX of the credit bureaus. I request that you investigate this matter promptly. If necessary, please provide documentation that substantiates the reported late payment. If this information can't be verified I demand these payments to be updated to paid on time immediately. I appreciate your time and attention to this matter and look forward to a timely resolution.

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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
ABSOLUTE RESOLUTIONS INVESTION LLC HAS CONTINUED TO FALSELY ACCUSE ME OF OWNING A DEBT THAT WAS SOLD TO ANOTHER DEBT COLLECTOR AND CONTINUES TO FALSELY REPORT THIS DEBT ON MY CREDIT REPORTS ( TRANSUNION, EQUIFAX AND EXPERIAN ). THE ALLEGED DEBT IS : {$3400.00} AND IS BEING REPORTED IN VIOLATION OF THE FCRA. THIS AGENCY IS ENGAGING IN UNFAIR AND UNLAWFUL COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: I.C. System, Inc.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX : XXXXXX/XX/XXXX Last 4 of SSNXXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX  Recently , I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.

Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 modity 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. Please remove the following items from my credit, please 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 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 2025-05-14 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month, as recent as this month. This is an update to the payment history. A charge-off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account twice, and your neglect violated my rights. I am demanding a deletion of the following account. 


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 2025-05-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name- XXXX  Creditor Address- XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Written Confirmation of Debt Write-Off To Whom It May Concern, I am writing to formally request written confirmation regarding the status of the following account, which is currently being reported as written off or charged off on my credit report : Creditor Name : XXXX  Account Number : XXXX Original Amount : {$3100.00} Date of Charge-Off- Not Known Please provide official documentation confirming that this debt has been written off or charged off from your records. If the debt has also been canceled or forgiven for tax purposes, please indicate whether a Form 1099-C ( Cancellation of Debt ) was issued and the date it was filed.

This documentation is necessary for my personal records and to clarify the current reporting of this account with the credit reporting agencies. 

I appreciate your timely response and assistance in providing this verification. Please feel free to contact me at the phone number or email address listed above if further information is needed. 

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 2025-05-14 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name- XXXX  Creditor Address- XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Written Confirmation of Debt Write-Off To Whom It May Concern, I am writing to formally request written confirmation regarding the status of the following account, which is currently being reported as written off or charged off on my credit report : Creditor Name : XXXX  Account Number : XXXX Original Amount : {$3100.00} Date of Charge-Off- Not Known Please provide official documentation confirming that this debt has been written off or charged off from your records. If the debt has also been canceled or forgiven for tax purposes, please indicate whether a Form 1099-C ( Cancellation of Debt ) was issued and the date it was filed.

This documentation is necessary for my personal records and to clarify the current reporting of this account with the credit reporting agencies. 

I appreciate your timely response and assistance in providing this verification. Please feel free to contact me at the phone number or email address listed above if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been trying for months to work with Capital One on a past due account, and I have consistently been told that there are no payment options available to menot even a basic plan or arrangement. 

I have made it very clear in multiple calls that I want to resolve the debt and am prepared to pay, but I am being denied any path forward. This is unacceptable and feels intentionally obstructive. 
I asked to escalate the issue and was repeatedly denied or redirected without any meaningful support. I am not asking for the debt to be dismissedonly to make manageable payments and resolve the matter responsibly.

I have since submitted a formal complaint to Capital Ones Executive Office and am now filing this complaint with the CFPB, hoping it prompts Capital One to engage with me in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX unaware of this debt which I found out about it by getting a credit report. I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If you cant provide this request delete the account Santander XXXX as soon as possible from my report or I would be forced to take legal action. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding Nelnets mishandling of my federal student loan account. My concerns are directly related to the ongoing class action lawsuit ( XXXX v. Nelnet ), which alleges that Nelnet engaged in delays, miscommunications, and unauthorized changes involving XXXX XXXX ( XXXX ) plans. 

I believe I have been personally impacted by these issues. Specifically : Nelnet failed to properly process my repayment plan or provide clear, timely updates regarding my IDR renewal/application, which led to missed payments through no fault of my own. 
I was not notified in advance of changes made to my account, including an unexpected change in due dates and payment amounts. 
As a result, my account was reported as delinquent to the credit bureaus, which has negatively impacted my credit score. 
These actions are consistent with the complaints outlined in the current federal lawsuit, and I believe they demonstrate negligent loan servicing practices. 

I am requesting the following actions : XXXX. Immediate review and correction of any inaccurate or unfair information reported to credit bureaus due to Nelnets handling of my account. 
XXXX. Confirmation of my correct loan status, payment plan enrollment, and accurate balance. 
XXXX. A formal response explaining how my case relates to the issues in the lawsuit, and what steps Nelnet is taking to protect and support affected borrowers. 

Please consider this complaint a formal request for review under the Fair Credit Reporting Act and all applicable federal student loan servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, Oh. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I am a victim of identity theft. There is a account with XXXX XXXX XXXX acct XXXX. Someone used my personal information to open this fraudulent account. Ive never gave anyone permission or authorization to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MS

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that 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 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  In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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