vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I tried to change bank accounts and was told at the bank that I had to pay a debt with Check systems. So I called the number and they only have a way to get your report no way to speak with a live agent. They are saying that 10 years ago I closed an account with a negative balance from an online lender that I never paid for a pay-day-loan so the account went negative in the amount of the loan. This is prohibiting me from opening an account at a local bank. I drafter the letter below but then saw your company while searching for the mailing address so I thought I would file a complaint through you instead. 


XXXX XXXX XXXX, MA XXXX XXXX XX/XX/year> To : Chex Systems , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute of Incorrect Account Reporting XXXXXXXX XXXX  Dear Chex Systems, I am writing to formally dispute an item on my Chex Systems report regarding an account with XXXXXXXX XXXX  that is listed as unpaid with a negative balance. This account is over five years old and, to my knowledge, was closed and settled properly. 

This inaccurate reporting has prevented me from opening a new checking account, causing significant hardship. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be investigated, verified, and corrected immediately. 

Please provide written confirmation of your investigation and the outcome. If XXXXXXXX XXXX did not report this information accurately, I request that it be removed from my report immediately. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period as required under the FCRA. 

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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I am writing to formally request your assistance and intervention regarding a serious issue with the Missouri Higher Education Loan Authority ( MOHELA ). Despite making a timely student loan payment, MOHELA has failed to properly credit my account and has been unable or unwilling to resolve the matter. 

On XX/XX/XXXX, I submitted a payment of {$410.00} toward my student loan account ( account # XXXX ). This payment was sent electronically from my bank, and this payment was successfully processed/cleared on XX/XX/XXXX. However, MOHELA has since claimed they have not received or can not locate the payment. 

I have contacted MOHELA multiple times to provide documentation and request a correction ; however, the issue remains unresolved. A representative from XXXX XXXX XXXXXXXX also called MOHELA and confirmed the payment was transferred into my account and processed by MOHELA ; however, the issue is still unresolved as of today ( XX/XX/XXXX ). 

Given that MOHELA operates as a federal student loan servicer and handles sensitive financial transactions on behalf of borrowers, I am deeply concerned about their apparent lack of accountability and recordkeeping. I believe this situation may constitute a violation of consumer protection laws and fair servicing standards. 

I respectfully request that your office investigate MOHELAs handling of this matter and take appropriate steps to ensure that my payment is properly credited, and any negative reporting is immediately corrected. 

I have enclosed a copy of relevant documentation from XXXX XXXX XXXXXXXX confirming the payment was successfully transmitted to my MOHELA account and processed on XX/XX/XXXX, before the due date. I am happy to provide additional material or testimony upon request. 

Thank you for your prompt attention to this matter and for your continued advocacy on behalf of consumers. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out an installment loan with Ace Cash Express and I reached out to et them know that I'd be late with my XX/XX/XXXX payment. 
They have called my cell phone everyday harassing me. 
Even when I block the number, they seem to call from a different numbers? 
All originating from XXXX, Texas. 
They also have sent me emails. 
This is quite excessive and PLEASE reach out to them to STOP ASAP. 

Please see the details : Dear XXXX XXXX, We are contacting you to let you know that your loan originated on XX/XX/XXXX is past due. The amount currently outstanding, including accrued fees, is {$1600.00}. 
Account Summary Principal : {$990.00} Interest Charged : {$13.00} Fees Charged : {$940.00} Last Payment : {$650.00} Last Payment Date : XX/XX/XXXX We understand there may be circumstances that prevented you from being able to pay your loan back on time so we'd like to work with you on a payment solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
As a consumer trying to fix my credit, I am filing this dispute due to inaccuracies in the reporting of the following accounts on my credit report. Please find the details for each bureau below. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-11 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXXXXXX XXXX, a payment on my Capital One credit card became past due. I did not receive any email notification or alert about the missed payment, and I was unaware of the balance because the card was linked to my XXXX account and not actively used. 

In XX/XX/year>, I was notified by XXXX XXXX that a late payment had been reported to the credit bureaus. I immediately paid the full balance in full through my Capital One account the same day I discovered the issue. I then called Capital One customer service to request a goodwill adjustment. 

The representative I spoke with confirmed that a goodwill adjustment would be applied and that the matter was handled. Capital One did not provide written confirmation of the goodwill adjustment that was promised to me during my initial phone call. I was told verbally that the issue was handled, but no documentation or email was sent to confirm this action. As a result, I have no direct evidence beyond my notes from the call and the subsequent reporting that still shows the late payment. This lack of written follow-up from Capital One is part of the issue I am raising, their communication and handling of the goodwill request were unclear and misleading. 

However, the late payment continues to appear on my credit report. When I called again to follow up on XX/XX/year>, I was told that the goodwill adjustment only referred to a past-due fee waiver, not the credit reporting correction I was promised. 

I am requesting that Capital One honor the original goodwill adjustment by removing the late payment from my credit report. I acted promptly once aware of the issue, paid in full, and was misinformed by their representative. The continued reporting of this late payment is inaccurate and unfair given the circumstances and prior communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing and sending this complaint with absolute certainty and extreme frustration. There is an error on my credit report that I just can not ignore anymore, as it has been negatively impacting my life and credit score, making it difficult for me to achieve financial freedom and stability.

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 2025-11-11 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: MS

Complaint narrative:
I am submitting this dispute regarding the following charged-off accounts on my Equifax credit report that I believe to be inaccurate and need to be investigated further : Charged Off Accounts DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DEPTEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DPEDXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} DP OF EDXXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$3500.00} DP OF EDXXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate these accounts and correct any inaccuracies or discrepancies. 

Late Payments : DP OF EDXXXXXXXX XXXX XXXXXXXX DP OF EDXXXXXXXX XXXX XXXXXXXX DP OF EDXXXXXXXX XXXX XXXXXXXX DP OF EDXXXX XXXX XXXXXXXX DP OF EDXXXXXXXX XXXX XXXXXXXX DP OF EDXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-11 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: NJ

Complaint narrative:
Let me make it crystal clear that this complaint is entirely legitimate and demands your immediate and undivided attention there is no room for doubt, dismissal, or delay. 
My credit report contains blatant inaccuracies that fail to meet the mandatory standard of maximum possible accuracy, violating consumer protection laws and my rights. 
These errors are inflicting serious and relentless negative impacts on my life, disrupting everything I hold dear and causing irreparable harm. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without any further delay there are no excuses acceptable, and inaction is not an option.

Resolving this issue is not merely necessary ; it is absolutely critical for my well-being, rights, and financial future failure to do so is unacceptable.

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 2025-11-11 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: MO

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 2025-11-11 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: SC

Complaint narrative:
I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding several accounts reported inaccurately on my credit reports. The accounts listed below are disputed for the reasons mentioned : Charged-Off 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
This complaint is regarding an alleged collection account being reported by Cedar Business Services on my credit report. The account ( # XXXX ) was reported as Closed with a balance of {$160.00}, opened XX/XX/year>, and listed as a collection/charge-off. 
I have submitted multiple written validation requests directly to Cedar Business Services and the XXXX credit bureaus ( XXXX XXXX XXXX XXXX  ) over XXXX  days ago. To date, no written verification, original creditor documentation, billing statements, or proof of debt ownership has been provided. This is a direct violation of FDCPA 809 ( b ), which requires written validation before continuing to report or collect on any alleged debt.

Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), furnishers are required to ensure the maximum possible accuracy of information reported. Reporting a closed account as an active collection, without providing evidence of ownership or contract, constitutes factual inaccuracy and willful noncompliance. 
Additionally, the account fails XXXX XXXX data furnishing requirements, which prohibit mixed, duplicate, or unverifiable data from remaining on file. No date of last payment, terms, or creditor identity have been verified. 
Cedar Business Services continued reporting without validation is misleading, inaccurate, and damaging to my creditworthiness. This account should be immediately deleted from all credit reporting agencies and marked as unverified and disputed until proper validation is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

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 explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding the unauthorized inquiries listed on my credit report from XXXXXXXX XXXX XXXX These inquiries were made without my permission and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I never authorized anyone to report these inquiries or have them appear on my credit file. Under 15 U.S.C. 1681b ( f ), no one is allowed to access or post information on my credit report without my explicit consent and a legitimate reason. Additionally, I would like to reference the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX settlement, which addresses similar violations where credit bureaus failed to properly investigate and remove disputed inquiries. This settlement highlights that credit bureaus, such as TransUnion, have been found to violate the FCRA by not removing hard inquiries after being disputed, and I am facing a similar situation with XXXXXXXX XXXX XXXX. This case further supports my position that these unauthorized inquiries should be promptly removed from my credit report. Furthermore, I am currently unable to file an FTC Identity Theft report due to the FTC website being unavailable. This shutdown has prevented me from addressing this matter through the proper channels, further complicating my ability to resolve this issue. The inability to submit a report to the FTC leaves me without an important tool in combating these unauthorized inquiries and further reinforces the need for a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion credit report. These items are inaccurate and require immediate correction. 

Charged-Off Accounts 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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple charged-off accounts and other reporting errors that I believe are inaccurate or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

Please investigate and verify the accuracy, ownership, and reporting compliance of the following accounts : Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief