vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-18 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: CA

Complaint narrative:
I am a United States citizen and a resident of California, and I am filing this complaint regarding inaccurate and unlawful credit reporting by Experian involving four federal student loan accounts now serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently took over servicing of my Department of Education loans from a prior servicer, and shortly after this transfer Experian began reporting that I was 90 days late in XX/XX/XXXX on all four accounts, while simultaneously reporting that I was current in XX/XX/XXXX and in every prior month. This is factually impossible, as a 90-day delinquency can not occur without preceding 30-day and 60-day delinquencies, none of which are reported. The affected accounts are all reported as XXXX XXXX XXXX with account numbers ending in the same format shown on my report ( XXXX ), with date opened of XX/XX/XXXX for two accounts and XX/XX/XXXX for two accounts, original balances of {$1700.00} and {$3000.00}, and monthly payments ranging from {$30.00} to {$67.00}. Each of the four accounts contains the identical erroneous 90-day late entry for XX/XX/XXXX despite a history of on-time payments before that date. I have attached four screenshots from my Experian credit report, one for each account, all showing this same false delinquency. I have made good-faith efforts to resolve this directly with Experian, but the inaccurate reporting remains. As a U.S. citizen and California resident, I have statutory rights under the Fair Credit Reporting Act to maximum possible accuracy in credit reporting. These inaccuracies are harming my creditworthiness and financial opportunities, and I respectfully request that the CFPB require Experian to conduct a lawful reinvestigation and promptly correct or delete the false late payment entries on all four accounts.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover Card, XXXX XXXX XXXXXXXX XXXXXXXX, DE XXXX. Application number : XXXX. They approved card without my authorization. Rude customer service, multiple phone calls attempting to reach someone on fraud dept. Date XX/XX/XXXX was date letter was sent to me and I responded immediately, but only after the charges had reached approximately {$6000.00}. All in XXXX, OR from XX/XX/XXXX thru XX/XX/XXXX. Received a text message supposedly from Discover Card today XX/XX/XXXX saying they needed to ask me a few more questions about the fraud case. I did not respond because the right phone number can be spoofed and rerouted to a fraud center. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, Application ID : XXXX. Dated XX/XX/XXXX. Called XX/XX/XXXX. XXXX rejected application for their credit card. I responded the next day on XX/XX/XXXX so this letter sat on someone's desk for a while. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX, XXXX, DE XXXX. Another attempt at opening a new credit card account. XXXX XXXX : XXXX. Called XX/XX/XXXX and application rejected by XXXX. 

XXXX XXXX. Date : XX/XX/XXXX. Received txt message from XXXX asking if I had recently applied for credit for purchases. Unbeknownst to me the correct phone number for XXXX was used but it was redirected to a fraud center and I literally fell into the quicksand. After reviewing my info with this guy it suddenly dawned on me it was a fraud center. After all that had been going on I immediately responded to the txt number using their number. With everything going on with my credit it seemed like a natural follow up. The only positive side is that all this info is already out in the fraudulent cyber world so it has hopefully limited shelf life... maybe. 

I have frozen my accounts at the 3 credit reporting agencies, XXXX XXXX XXXX XXXX. 

NO CARD NUMBERS were ever sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I do not agree with the companys response, and the issue remains unresolved. I am submitting this feedback while creating a new case because my previous CFPB case ( XXXX ) was closed without full resolution, even though the underlying dispute has not been addressed and the account remains on my credit report. 

In its response, the company relies on internal records and generalized statements to claim the account belongs to me. However, I have consistently statedand continue to statethat I do not own this account. I never opened it, never authorized it, and never entered into any contract related to it. The company has not provided any original documentation proving otherwise. 

Specifically, the company did not provide : A signed application or contract Proof of identity verification used at account opening Evidence showing my consent or authorization Documentation tying the alleged online application to me personally Relying on internal records, mailed correspondence, or alleged phone activity does not establish ownership, particularly when identity theft has been reported. 

I also want to emphasize that I filed an FTC Identity Theft Report, which the company did not meaningfully address in its response. Under federal law, an FTC Identity Theft Report requires heightened review and obligates furnishers to block or remove information that can not be validated with original documentation. The companys response does not explain how it satisfied these obligations. 

Because the company has failed to produce objective, verifiable proof that I opened or authorized this account, the account remains unvalidated. Continued reporting under these circumstances is inaccurate and is causing ongoing harm to my credit. 

For these reasons, the response does not resolve my complaint. I am requesting that this new case proceed and that the CFPB require the company to either : Provide full, original documentation proving I opened and authorized this account, or Delete the account from all credit reporting agencies due to lack of validation and unresolved identity theft concerns. 

Until one of these actions is taken, the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have had numerous transactions from my chime checking and a company called XXXX. I have received a email from XXXX  claiming to have closed my account? I dont have an account but they have taken out money from my chime checking account. I filed a dispute with chime two days ago and chime already comes back and tells me they are going to deny my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Can you go over this entry carefully? It could be incorrect.

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 2025-12-18 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-18 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-18 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 am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft. 

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately. 

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the XXXX  XXXX  data breach, the XXXX XXXX breach, and the Equifax data breach.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint to formally disputed an accurate charge and unjust debt that Bank of America is attempting to collect from me. The debt is bogus and relates to a credit card that was paid in full and closed. On XX/XX/year> an organization known as the XXXX XXXX XXXX ( XXXX ) helped me pay the full balance {$2500.00} which was done by my case XXXX XXXX. The staff members at the Bank of America XXXX in XXXX XXXX XXXX  explained once the card was fully paid off that the account would be closed and I would no longer owe any debt. I fulfilled all financial obligations associated with this account and there was no remaining balance at the time. Bank of America never mailed, emailed me or called me to let me know there was an alleged remaining balance on the account which again, was entirely closed out because we all agreed the debt was paid. I dont know how much supposed remaining balance started as but after months of interest & fees its gone up to {$380.00}, which they are now threatening to send me to collections over. This conduct is misleading, harmful, and has caused unnecessary stress. Charging or reporting a debt that shouldnt exist is unacceptable and may constitute violations of the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ). 
If you wish to contact me please call me at XXXX or XXXX, or if you wish to contact XXXX from the XXXX XXXX XXXX you can contact him at XXXX or 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 2025-12-18 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: MS

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-18 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: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable credit reporting by XXXX XXXX  XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion. 

I have submitted multiple disputes regarding the XXXX tradeline XXXX Despite these disputes, the account continues to be reported as verified without any lawful verification being provided to me. 

Specifically, I formally requested the method of verification pursuant to FCRA 611 ( a ) ( 7 ), including whether verification was conducted through automated e-OSCAR processes, the name or system used to verify the account, XXXX/XXXX  response data, and copies of documents relied upon to support the reported late payment history. None of this information was provided. 

Additionally, this tradeline contains material inconsistencies across the credit bureaus, including but not limited to : Different Date Last Active values across Equifax, Experian, and TransUnion Different Date Last Reported values across bureaus Conflicting account comments ( closed by credit grantor vs. closed due to inactivity vs. paid/closed ) Inconsistent delinquency reporting for XX/XX/year> Conflicting credit limits reported ( {$0.00} vs. {$300.00} ) These inconsistencies violate the Maximum Possible Accuracy requirement under FCRA 602 ( a ) and demonstrate that the information can not be verified as accurate. 

Equifaxs most recent response states that the item was verified and belongs to me, yet verification of ownership is not verification of accuracy, nor does it satisfy the statutory requirement to disclose the method of verification. 

Because the furnishers and credit reporting agencies failed to provide the required verification and continue to report materially inconsistent information, the XXXX tradeline is unverifiable under FCRA 611 ( a ) ( 5 ) ( A ) and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX  ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX  XXXX XXXX {$620.00}

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 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
Hello : I received a letter from XXXX about XXXX permanent XXXX discharge approved on XX/XX/year> & XX/XX/year>. Approval was granted on XX/XX/year> from XXXX XXXX discharge. I have been receiving emails from XXXX on XX/XX/XXXX ; XX/XX/XXXX ; & XX/XX/XXXX. I spoke with XXXX XXXX XXXX, XX/XX/XXXX and there saying never received a letter from XXXX. I faxed a copy of approval letter on XX/XX/year> to XXXX XXXX On XX/XX/XXXX XXXX I spoke on phone and they said they need letter from XXXX XXXX  XXXX XXXX XXXX XXXX faxed letter wasn't good enough. I called XXXX XXXX XXXX department on XX/XX/year> and they said that the letters were sent out to everyone. Today I am making a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
These accounts do not belong to me ; they should be removed within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
There is no promissory note on mohela webpage and they are not sending it to me after multiple requests by phone and email, no chain of custody documentation, absolutely zero proof of legal authority from loan servicer and fraudulent emails have been sent from them. They have not provided any information legally. No ledger of forebearances either and no signed MPN. All illegal and fraudulent. I also submitted info from the non profits Ive worked for and forgiveness and nothing has been done in years.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief