vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
After further review of my credit report there are multiple inaccurate accounts reporting that are not mine and are fraudulent. According to Fcra I have the right to remove anything thats harming my report. And I plan to take it to the fullest extent.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, {$500.00} were taken out of my account and paid to XXXX  XXXX directly from my account numbers and routing number. I dont own a XXXX XXXX  and didnt authorize the transaction. Someone has my account number and routing number and is withdrawing money without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Apple Law Group, Inc.
State: TX

Complaint narrative:
What Happened Apple Law Group ( Complaint ID : XXXX ) On XX/XX/year>, I filed a formal CFPB complaint against Apple Law Group regarding unauthorized transactions and billing interference. Despite the seriousness of the issue and the required response window, Apple has failed to respond in any capacity. As of XX/XX/year>, this marks exactly 61 days of complete silence. No acknowledgment, no updates, and no attempt to investigate or resolve the complaint. This level of non-responsiveness directly violates the regulatory obligation to address consumer complaints within 60 days. 
Whats a Fair Resolution Apple must immediately provide an official acknowledgment of Complaint ID XXXX and submit a formal investigation update to the CFPB. A justification for the delay is required, and a compliance audit should be initiated into Apples complaint response workflow. Furthermore, a written apology and assurance of corrective action should be issued. If systemic issues are contributing to these delays, Apple must disclose them transparently and outline how they will be resolved. Regulatory escalation and financial accountability may be warranted based on the outcome

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: KY

Complaint narrative:
I havent been able to pay my student loans in almost a year due to Mohela changing everything. Wherever I go to log in, the website say I dont have an account. Then I go to make a new account and get told that I already have an account with the information Ive given them. Ive been trying to get in contact with them for months. A couple weeks ago I tried calling Mohela with the number that was provided on the student aid website, I was told that who I called was not Mohela. The person on the phone also got an attitude with me and would tell me what to do.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Date : As of XX/XX/year> Amount ; {$1000.00} Action : The company XXXX XXXX XXXX XXXX. 
Legal Actions in order to collect this debt that appears to incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This complaint is being escalated due to continued failure to investigate under the pretext of identity verification despite full compliance. The repeated delay constitutes noncompliance with 15 U.S.C. 1681i ( a ) and 1681e ( b ). I am requesting immediate correction or deletion of the disputed information and confirmation of the investigation method used.!!!! I have already provided sufficient documentation to reasonably verify my identity, including government-issued identification and proof of address. Continued claims of inability to verify my identity appear to be a delay tactic and a failure to comply with the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681i ( a ), the credit reporting agency is required to conduct a reasonable investigation within the statutory timeframe. I am requesting immediate investigation of the disputed information or deletion if the information can not be verified, along with written confirmation of compliance.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This complaint is being escalated due to continued failure to investigate under the pretext of identity verification despite full compliance. The repeated delay constitutes noncompliance with 15 U.S.C. 1681i ( a ) and 1681e ( b ). I am requesting immediate correction or deletion of the disputed information and confirmation of the investigation method used.!!!! I have already provided sufficient documentation to reasonably verify my identity, including government-issued identification and proof of address. Continued claims of inability to verify my identity appear to be a delay tactic and a failure to comply with the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681i ( a ), the credit reporting agency is required to conduct a reasonable investigation within the statutory timeframe. I am requesting immediate investigation of the disputed information or deletion if the information can not be verified, along with written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: IA

Complaint narrative:
After further review of my credit report there are multiple inaccurate accounts reporting that are not mine and are fraudulent. According to Fcra I have the right to remove anything thats harming my report. And I plan to take it to the fullest extent.

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 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Urgent : Fraudulent XXXX Transfer Case # XXXX with truist Bank Dear XXXX CFPB or FDIC ] Representative, My name is XXXX XXXX XXXX XXXX XXXX and Im reaching out regarding a serious issue with Truist Bank involving a fraudulent XXXX transfer of {$760.00}. My case file number with XXXX is XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received a phone call from someone who claimed to be from Truist fraud department. They had my personal information, including my Social Security number, address, and phone number, which made the call seem legitimate. They told me someone was trying to access my account and instructed me to wire my funds to what they said was a safe internal account to protect it. Unfortunately, this turned out to be a scam. 

After realizing I had been defrauded, I immediately contacted the real truist Bank and opened a fraud case. I was told today that truist can not help me and denyed me because I initiated the XXXX  transfer myself. 

I am requesting your assistance in reviewing this situation. I genuinely believed I was speaking with truist fraud department, and I was deceived into authorizing this transaction. I desperately need my {$760.00} returned. 

Please investigate this matter and advise me of any possible next steps. I am willing to provide any documentation or call recordings that may help resolve this case. 

Thank you very much for your time and understanding. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : [ XXXX ] Phone : [ XXXX ( XXXX ) XXXX ] Case # : XXXX ( truist Bank )

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 2025-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I attended XXXX  XXXX university for my XXXX and XXXX  university for my XXXX. Ive had both XXXX  and mohela loans. These companies have been part of class action lawsuit and was deceitful with their business practices. I just want this to be on the record for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion continues to report inaccurate information on my credit report after filing XXXX  XXXX bankruptcy and receiving a discharge. XXXX XXXX and XXXX are allowed to report open and derogatory on my Trans Union credit report, both companies are aware of the bankruptcy discharge, but Trans Union continues to report incorrect information. Ive disputed with TransUnion several times, sent a cease and desist letter with no correction and only given advice to dispute again and wait 30 for recourse. ( Ive disputed 5times ) its still incorrectly reported.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX received transfer of loan servicing within the last 60-90 days, and is reporting that my XXXX loan payment is 30 days delinquent. Given that today is XX/XX/XXXX, this is physically, mathematically and chronologically impossible. I alerted Experian to the issue and demanded an immediate explanation for how their system can report this. They refused to divulge that information, and told me it would take 30 days under FCRA to fix it. FCRA should not offer blanket immunity to lenders or credit bureaus to make materially false statements about a consumer when the credit bureau has constructive evidence to know that the statements they are making are false. The intent of FCRA to was protect credit bureaus when the information they are receiving from the lenders is merely being relayed, and the bureau can not know if it's accurate or not unless the consumer disputes it. FCRA is not intended to allow defamation, where a credit bureau acts with reckless disregard to material facts. Defamation is defamation, regardless of whether it's fixed within 30 days. I would also argue that making these false statements via the internet would constitute wire fraud, and making them via regular mail would constitute mail fraud. Why should a consumer be forced to bear the burden of losing XXXX points on their score for obviously false and impossible/illogical results as the result of categorically illegal actions by a lender and credit bureaus? Again, I reiterate, how is it possible to be 30 days past due on a payment for a calendar month that we are still in?

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 2025-12-14 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:
XXXX XXXX XXXX received transfer of loan servicing within the last 60-90 days, and is reporting that my XXXX loan payment is 30 days delinquent. Given that today is XX/XX/XXXX, this is physically, mathematically and chronologically impossible. I alerted Experian to the issue and demanded an immediate explanation for how their system can report this. They refused to divulge that information, and told me it would take 30 days under FCRA to fix it. FCRA should not offer blanket immunity to lenders or credit bureaus to make materially false statements about a consumer when the credit bureau has constructive evidence to know that the statements they are making are false. The intent of FCRA to was protect credit bureaus when the information they are receiving from the lenders is merely being relayed, and the bureau can not know if it's accurate or not unless the consumer disputes it. FCRA is not intended to allow defamation, where a credit bureau acts with reckless disregard to material facts. Defamation is defamation, regardless of whether it's fixed within 30 days. I would also argue that making these false statements via the internet would constitute wire fraud, and making them via regular mail would constitute mail fraud. Why should a consumer be forced to bear the burden of losing XXXX points on their score for obviously false and impossible/illogical results as the result of categorically illegal actions by a lender and credit bureaus? Again, I reiterate, how is it possible to be 30 days past due on a payment for a calendar month that we are still in?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
Date : As of XX/XX/year> Amount ; {$1000.00} Action : The company Ratchford Law Group P.C.

Legal Actions in order to collect this debt that appears to incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stein Law, P.C.
State: CO

Complaint narrative:
I am submitting this complaint because Mountain Peak Law Group continues attempting to collect a debt that I formally disputed, yet they have not provided adequate validation as required under the Fair Debt Collection Practices Act ( FDCPA ). They responded to my dispute on XX/XX/year> claiming it was a duplicate dispute, but they never provided the required documentation in the first place. 

Details of the Issue On XX/XX/year>, I sent a written dispute requesting : 1. A complete accounting and itemization of the balance they claim I owe 2. A breakdown showing how the total reached {$15000.00} 3. Documentation of any interest, fees, or insurance added after charge-off 4. Proof of legal assignment or transfer of this debt from the original creditor 5. Statements or records showing the alleged balance at charge-off Mountain Peak Law Group responded on XX/XX/year> with minimal documents that did not include this required information. I disputed again because the original response was incomplete and insufficient. 

On XX/XX/year>, they responded again, claiming my dispute was duplicate and refused to supply any additional documentation. 

This does not meet the meaningful verification standard required by the FDCPA. 


FDCPA Violations I believe the collector is in violation of : 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Failing to provide verification of the debt Failing to provide itemization Failing to show assignment or right to collect Continuing collection efforts without adequate validation Misleading or deceptive practices ( 807 ) The collector implied that I can not dispute again and attempted to avoid providing proper verification.

Why This Is a Problem The documents they did provide do not show : How the balance increased What interest or fees were applied Validation that the amount is correct That they have the right to collect this debt Proof of ownership transfer ( bill of sale, chain of title, or portfolio listing ) I have a right to dispute : The amount The accuracy The chain of assignment Any fees added after charge-off They have not provided the required information to validate the debt.

What I Want the CFPB to Do I request that the CFPB : 1. Require Mountain Peak Law Group to provide full documentation, including : A complete accounting from the original creditor All post-charge-off fees or interest Chain of title/assignment Statements showing how the balance was calculated 2. Direct the debt collector to cease collection activity until adequate validation is provided.

3. Ensure the account is not reported to any credit bureaus unless they can legally validate the debt.

Note : ( I am unable to upload original repose from Mountain Peak Law Group due to large file. I can email or mail to you once you respond to this request. ) Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NY

Complaint narrative:
I am now requesting proof of the previous investigation in regards to the XXXX  XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  shows the XX/XX/year> payment as PAID ON TIME/ NOT LATE, while TRANSUNION and EXPERIAN shows 30 days late. The TRANSUNION and EXPERIAN report is inaccurate as the other credit bureau shows they are PAID ON TIME. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days, update the XXXX  XXXX XXXX account for to PAID/NEVER LATE in regard to XX/XX/year> and send me a copy of my updated credit report.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Fold, Inc.
State: MI

Complaint narrative:
I have experienced a lack of follow-through and resolution from Fold, which partners with XXXX for payment processing. I received refund confirmation emails for my XXXX gift card orders : # XXXX # XXXX # XXXX These emails were sent on XX/XX/XXXX and XX/XX/year>, stating that the refunded amounts had been released back to my original payment method. Each email indicated the funds would return to my account within 13 business days. However, it has now been over a month, and no refunds have been deposited into my bank account as of today. 

After not seeing the funds, I submitted a support ticket with Fold. They responded and informed me that XXXX handles the refund transactions, and recommended that I reach out to them directly. I did so, and on XX/XX/XXXX, Fold support followed up via email and stated they would escalate the issue and have someone reach out to resolve it. Despite this, no one has contacted me, and the funds remain missing. 

I have attached screenshots of the refund confirmation emails as evidence of the promised refunds and the timeline of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
This loan company had my payments on deferred payments. I have looked at my credo score and it dropped XXXX points bc they were fraudulent posting late payments to the credit bureaus. I need these accounts verified with signed documents with my name on them stating that this money is owed to this loan company. I have no information from this company at all

Company response to consumer: Untimely response
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I login in the credit Karma it shows XXXX  year of birth day and my birth is not that XXXX born in year XXXX XXXX turning XXXX this year XXXX. 
my information like my ID been stolen before not sure how they used my information There are open accounts for XXXX cars I do not have in my possession on the account I need help to have my year XXXX for my account this one with XXXX is not my account I believe is been hacked.

Company response to consumer: Closed with non-monetary relief