vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
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 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 2025-11-29 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: NJ

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} late 30 days 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 2025-11-29 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: TekCollect Inc.
State: TX

Complaint narrative:
This is a notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiableTo date, you have not provided : Proof of verification, Documentation from the furnisher, Contact details of the person who claimed to verify, Any evidence showing the information is correct.

If these accounts can not be verified with original documentation, they must be deleted immediately.

This is a lawful request for compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
{ XXXX XXXX XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports.

I, { Customers First & Last Name }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information.

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly.

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file.

Thank you for your immediate attention to this matter. 

Sincerely, { 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 2025-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CT

Complaint narrative:
I am submitting this complaint to report improper servicing actions by MOHELA regarding the processing of my Income-Driven Repayment ( IDR ) plan. Despite my timely application and confirmation of enrollment into an IDR plan, MOHELA has quoted and assessed monthly payment amounts that are inconsistent with federal regulations and the terms of income-based repayment.

Specifically : MOHELA initially informed me that my monthly payment under the IDR plan would be {$66.00} for 9 months, which is consistent with the expected calculation based on my income and family size.

However, I was subsequently told that my payment would increase dramatically to {$700.00} per month for 120 months, despite no change in my income, family size, employment, or eligibility.

This new amount is not aligned with any legitimate calculation under federal IDR formulas and is inappropriate, excessive, and inconsistent with the payment structure for an income-driven plan.

It appears MOHELA processed my IDR application incorrectly, assigned an invalid repayment schedule, or misapplied eligibility criteria.

I have attempted to resolve this directly with MOHELA, but I have not received a clear explanation or corrective action. The contradicting payment amounts and the sudden assignment of a {$700.00} monthly payment pose significant financial hardship and undermine the protections guaranteed under federal student loan law.

I am requesting that the CFPB review MOHELAs handling of my repayment plan, require correction of the payment calculation to accurately reflect the IDR formula I qualify for, and investigate whether MOHELAs actions reflect broader servicing errors affecting borrowers.

Thank you for your attention to this matter. I appreciate the CFPBs assistance in ensuring that student loan servicers adhere to federal repayment rules and treat borrowers fairly.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$29000.00} - Date Opened : XX/XX/year> XXXX  XXXX # XXXX -- Balance : {$310.00} - Date Opened : XX/XX/year> XXXX XXXX  XXXX # XXXX -- Balance : {$780.00} - Date Opened : XX/XX/year> XXXX  XXXX # XXXX -- Balance : {$470.00} - Date Opened : XX/XX/year>

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 2025-11-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-29 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: SC

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 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 2025-11-29 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:
I am disputing the accuracy and completeness of the information being reported in my consumer credit file. Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information and delete or correct any information that can not be verified within the required time frame.

The information currently being reported is inaccurate, incomplete, or can not be properly verified. I am requesting that the credit bureau conduct a proper reinvestigation, provide me with the results of that reinvestigation, and delete any information that is found to be inaccurate or unverifiable.

Failure to comply with these obligations is a direct violation of FCRA 611 ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I am disputing two unauthorized or incorrect charges on my Current checking account : 1. XXXX charge {$43.00} ( XX/XX/year> ) : I paid for the XXXX ride using my XXXX XXXX card. 
The {$43.00} charge was duplicated on my Current account without my authorization. 
My account was subsequently locked, and I had to submit ID, a selfie, and update my phone number to regain access. 
I submitted a dispute in the Current  app, requested documentation, and followed up by email. The dispute remains pending, and no evidence has been provided to justify the charge. 

2. XXXX XXXX charge {$55.00} ( XX/XX/year> ) : This was an application fee for a XXXX XXXX. 
I submitted payment according to instructions, and XXXX confirmed approval and holding deposit instructions via multiple emails ( XXXX XXXX XXXX ). 
A refund or partial check was issued by XXXX, but the bank reversed the refund, and Current never credited the funds back to my account. 
I submitted a dispute and appeal in the Current app. Even after providing all supporting documentation ( emails from XXXX  showing approval, deposit instructions, and payment confirmation ), Current denied the dispute, claiming there was no error. 
Current has not provided any documentation to justify the denial. 

Supporting documentation included : Emails from XXXX ( XXXX XXXX XXXX ) showing unit approval, holding deposit instructions, and communication regarding deposit assistance. 
Screenshots of both disputed charges in my Current account. 
Documentation of attempted refunds and bank reversals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
XXXX XXXX, a living man appearing in my private capacity as the Secured Party and Authorized Representative for the entity commonly styled XXXX XXXX, provide this formal notice and demand. 

The XXXX XXXX account referenced above was : 1. Previously disputed, 2. Found unverifiable, and 3. Deleted from my XXXX  consumer file.

The recent reinsertion of this same account is unlawful, and no written notice was provided to me within 5 business days as required by FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

This constitutes : Illegal reinsertion, Willful non-compliance with the FCRA, and Continued collection activity in violation of the FDCPA ( after receipt of a cease-and-desist ).

I demand the following : 1. Permanent deletion of the reinserted XXXX account.

2. A full description of the certification allegedly submitted for reinsertion.

3. A copy of all investigation documents used by XXXX.

4. Written confirmation of removal within five ( 5 ) business days.

Failure to comply will result in : A CFPB complaint, A Pennsylvania Attorney General complaint, and Preparation for civil action for statutory and actual damages under the FCRA and FDCPA.

This notice is issued under penalty of perjury pursuant to 28 U.S.C. 1746.

Authorized Representative / Secured Party Creditor : I will enforce all relevant damages both punitive, and defamation damages under federal law. 

XXXX XXXX, Secured Party UCC 1-308/ Without Prejudice

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 2025-11-29 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: National Credit Systems,Inc.
State: MD

Complaint narrative:
Cites 15 U.S.C. 1681s-2 ( FCRA Furnisher Duties ) XXXX, XXXX, XXXX  The furnisher in question has failed to meet their obligations under 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of information that is inaccurate, incomplete, or can not be verified.

Additionally, after receiving notice of my dispute, the furnisher was required under 15 U.S.C.

1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information I submitted, and correct or delete the information if it could not be verified.

Despite these statutory obligations, the account continues to be reported inaccurately and without proper verification. I am requesting the CFPBs assistance in ensuring that the furnisher performs a lawful investigation and updates, corrects, or removes the disputed information as required by federal law.

Cites 15 U.S.C. 1692g ( b ) ( FDCPA Validation Requirements ) The debt collector associated with this matter has failed to comply with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. I submitted a timely written request for validation, which legally requires the collector to : Cease all collection activity until verification of the debt is provided, and Provide proper documentation establishing the validity and ownership of the alleged debt.

The collector has either continued collection efforts without providing validation or has provided insufficient documentation that does not satisfy the statutory requirements. This conduct violates the FDCPA, and I request CFPB review and corrective enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I stopped using the credit card from CAPITOL ONE many months ago because the interest and fees were exorbitant. However, my debt kept increasing though I was still making {$200.00} payments on less than {$1000.00}. I called the company for explanation. They said it was part of the contract I signed. I asked them to provide the contract and verification that they had a signed copy. They could not provide a signed contract. I sent two letters. One with a cease and desist order. They have not complied and continue to call and text. They have also been notified that with no proof of signed contract they have no means to collect the debt. They countered with the fact they needed more information to implement the cease and desist order, as well as informing me I am delinquent on my payments. This is a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/2025 Subject : Request for Removal of Collection Account To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. After reviewing my file, I believe this account is being reported inaccurately or without full verification as required by the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough reinvestigation and verify the accuracy of this account. If the furnisher of the information can not provide complete documentation proving the validity of the debt, I am requesting its immediate removal from my credit file in accordance with FCRA Section 611.

Account Information : Creditor Name : LVNV Funding Collection Agency : XXXX XXXX XXXX XXXX I have attached a copy of my government-issued ID and a recent proof of address for verification purposes. Please provide the results of your investigation to the mailing address listed below within the 30-day period allowed by law.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year>, Someone was able to access my checking account, change my phone number on file to their phone number, then clear my accounts by sending what was left in my accounts to themselves via the pay anyone option. I have reason to believe they attempted to use an email first with a test transaction. They sent {$48.00}, then added it back to the account. Once that was successful, they then went through my accounts and sent everything that was left in them for a total of {$60.00}. I requested the money back from the scammer ; they replied on the Chime all through the pay anyone feature that they would delete all my information if I fulfilled an additional request for {$600.00}. When I called after I changed my access information on my own and my passwords, I was transferred from department to department on several calls while trying to ask how this could have happened. They should have been able to see the attempt to coerce me into paying additional money because it was and is still a pending transaction on the application. No one confirmed that they could or could not see the informations, they withheld transferring me to the fraud department and now I don't know how much of my personal data the scammer was able to access. My spouse doesn't even have access to my account information. No one was able to provide me with anything close to a solution or assist me in finding a resolution, one representative asked me. " What resolution was I hoping to get by calling ''. I was left destraught and confused there are only so many banks I can use and I felt extremely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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