vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX I received a XXXX credit card statement in the mail addressed to me with a due balance of {$1900.00} by the date of XX/XX/XXXX. This card was a Capital one XXXX XXXX card. However, I never opened a card with this company. Looking at the statement I discovered XXXX names of individuals that I did NOT know. Within this statement these individuals spent a total of {$1800.00} from XXXX XXXX XXXX at a sporting goods store. These individuals then stopped paying the credit card and started to gain late fees on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed accounts on my credit report which is reporting incorrect and inaccurate information. There are multiple accounts reporting on my XXXX credit reports which I asked for the accounts to be verified from the companys and also my report is stating accounts with the same Creditors and there are Hard Inquiries that I didnt authorized the creditor to have my information looked at to obtain credit. I disputed the accounts multiple times on which I know its stating inaccurate and misleading information and its harming my reputation and credibility to obtain products so I can receive offers from other creditors I wish for the accounts to be deleted off from reporting

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 2025-08-26 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: OH

Complaint narrative:
I disputed accounts on my credit report which is reporting incorrect and inaccurate information. There are multiple accounts reporting on my XXXX credit reports which I asked for the accounts to be verified from the companys and also my report is stating accounts with the same Creditors and there are Hard Inquiries that I didnt authorized the creditor to have my information looked at to obtain credit. I disputed the accounts multiple times on which I know its stating inaccurate and misleading information and its harming my reputation and credibility to obtain products so I can receive offers from other creditors I wish for the accounts to be deleted off from reporting

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 2025-08-26 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXXXXXX XXXXXX/XX/XXXX {$9200.00}, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$8900.00}, XXXXXXXX XXXX XXXX XXXX XXXX  {$45000.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-08-26 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: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX I had an XXXX  credit report and I noticed there was an incorrect name, associated to my SSN, an incorrect address and a delinquent account associated to that name and my SSN. The delinquent account was an auto loan that was charged off with a balance of {$16000.00} from " Lobel Financial ''. I called Lobel Financial legal department several times to get information about this issue ; I called three times on XX/XX/XXXX and they hung up on me before giving me any information. I filed three disputes with XXXX  and submitted my proof of identity and residence and they were able to erase the incorrect address and the incorrect name, XXXX  asked me to reach out to Lobel Financial to clarify. I called Lobel Financial legal department again on XX/XX/XXXX and the person who answered me told me that there was no account associated to my name or SSN, he instructed me to send an email to XXXX explaining my issue and giving them a heads up that there was an ongoing investigation, which I did ; I sent that email that same day. I never got an answer. XX/XX/XXXX I received XXXX XXXX dispute response for the delinquent account saying that the creditor ( Lobel Financial ) confirmed that this account was reported correctly and that if I required more information I should communicate with Lobel Financial. XX/XX/XXXX I called Lobel Financial legal department again, a very rude person named " XXXX '' answered my call, I explained her my issue and she asked me for my SSN which I provided. She confirmed to me that there was no account associated to my SSN. I asked her if she could email me a written proof of this and she replied that she could not do it as " there is nothing to prove '', I explained that my XXXX  dispute said there was an account and that it was confirmed by Lobel Financial, I provided her with the account number found in the dispute, she repeated that there was no account under my name and that she could not look for that account number as it was an incomplete number. I again asked for written proof and she declined. She instructed me to send a new email to XXXX explaining my situation and asking for written proof which I did and I did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Last 4 Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ) AN AUTO LOAN ACCOUNT OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ) XXXX PERSONAL LOAN ACCOUNT OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
I recently got a copy of my credit report and found that XXXX XXXX XXXX is reporting accounts that are inaccurate and unauthorized. These accounts have caused serious harm to me, including damage to my credit report, financial stress, and obstacles in my daily life such as difficulty getting approved for credit and fair opportunities. 

I already disputed this information before, but the response I got back was not enough. The credit bureaus and XXXX just said the account was verified, but they did not show me any proof no contract with my signature, no account history, and no proof that XXXX even owns this debt. 

It is unfair and misleading to keep negative information on my credit report without real proof. If the account cant be properly verified, it should be deleted completely from all three bureaus. Leaving unverifiable information on my credit report is damaging and not right.

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 2025-08-26 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: CA

Complaint narrative:
I CANT BELIEVE I AM SAYING THIS ALL AGAIN BUT HERE I AM TELLING ALL THIS TO YOU. I WILL CONTINUOUESLY TELL YOU THIS STORY UNTILL YOU GUYS FINALLY UNDERSTAND THE SERIOUSNESS OF THIS SITUATION. THIS FRAUDULENT APPLICATION XXXX XXXX XXXX MADE ON XXXX DOES NOT BELONG TO ME AND WAS I NEVER ASSOCIATD WITH IT EVER IN MY LIFE. I DONT UNDERSTAND HOW SUCH A BIG COMPANY LIKE EQUIFAX CAN LET ITS CUSTOMERS FELL THE WAY THAT I AM RIGHT NOW. IF IT PROCEEDS I WILL MAKE SURE TO TAKE LEGAL ACTION AGAINST EQUIFAX AND THEIR ENTIRE TEAM FOR DISRESPECTING ME LIKE THIS. I HOPE I NEVER DEAL WITH THIS AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VW Credit
State: GA

Complaint narrative:
requesting vw credit inc provide the documents being holder in due course. A holder in due course ( XXXX  ) is a person or entity that acquires a negotiable instrument, such as a check or promissory note, for value, in good faith, and without any notice of problems or defects. This status grants the holder enhanced legal rights, allowing them to enforce payment against the original parties of the instrument, even if there are issues or defenses between those original parties, such as a failed delivery of goods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Last month I contacted them via phone and via mail about updating address and account been inaccurate and I just an email saying everything was correct and it is not.

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 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
XX/XX/XXXXXXXX  Forbearance due to Saving on a Valuable Education ( SAVE ) XX/XX/XXXXXXXX  - Applied for the Buyback through Student aid as my 10 years of service was validated and completed but I needed three more payments due to forebarence XX/XX/XXXX Applied to move off of SAVE plan to get out of forbearance XX/XX/XXXX Notification from Mohela the XX/XX/XXXX application was received XX/XX/XXXX Again applied to move off of SAVE plan to get out of forbearance XX/XX/XXXX Notification from Mohela the XXXX application was received XX/XX/XXXX Notification that Repayment Schedule Changed XX/XX/XXXX Notice of Interest Accrual During Forbearance XX/XX/XXXXXXXX  Called Mohela when the new payment expected for XX/XX/XXXX, didn't show up. Was told that I should re-apply to move to IBR and that my application was never reviewed. 
XX/XX/XXXX Called Mohela to go through the issues again after calling Student Aid help line and finding out that Mohela did actually receive my documents despite saying they didn't XX/XX/XXXXXXXX  Received a notice of processing delay XX/XX/XXXXXXXX  After being advised by another person who had successfully had their application processed I applied for IDR with permission to use my tax information. I received the IBR payment amount in response from Student Aid. 
XX/XX/XXXX Notification that Repayment Schedule Changed XX/XX/XXXXXXXX  Called to ask why my Notification of Repayment Change did not match the amount shown on the Student Aid site and why it showed my forbearance would change. Was notified by the representative that it showed on his side that my IBR was approved and the payment for XX/XX/XXXX should be the XXXX not XXXX but that it wouldn't populate until closer to the due date. He said that the notification of the change would arrive soon but they were behind processing XX/XX/XXXX New payment due of XXXX for XX/XX/XXXX but still enrolled in SAVE but my forbearance not extended. The help desk person was new and didn't know the basics of the IDR term vs IBR plan. I asked to be escalated but instead the call was dropped. 

Throughout all of this Mohela has failed to fully process any of the applications. They have provided vague updates on payment accounts without any indication of with IDR plan they are calculated with. Everytime I call the help line I get a new story about why things are not processed and what to expect regarding payments. There is absolutely no way to get a representative to give you factual information or escalate the issue to get it taken care of.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
omplaint Summary for CFPB : In XXXX  going into XXXX, I had a Chase Bank account that was closed after I paid off a small overdraft of about {$7.00}. I had this account for a significant period of time and was in good standing before this incident. 

After the account was closed, I called Chase customer service several times and visited a branch to request an explanation. I was told repeatedly that Chase does not have to provide me with a reason, and I was also told I could not open another account with them. No further explanation was given. 

This lack of transparency has created stress and financial difficulty for me. I am requesting : 1. A clear written explanation for why my account was closed.

2. Disclosure of whether the closure was reported to XXXX  or any other consumer reporting agency.

3. Clarification on whether I am permanently barred from banking with Chase, and if so, the basis for that decision. 

I believe I deserve transparency and a fair opportunity to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am writing pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request validation of the alleged debt that has been reported against me and is currently hindering my ability to obtain housing.

As a U.S. military veteran, I take my financial obligations seriously. However, I dispute this debt and request proper verification. During the XXXX pandemic, my rent was covered in part through a government rental assistance program. I left the apartment in good standing, and to my knowledge, the assistance funds were issued directly to the property management company at the time. The apartment complex has since changed management, and there has been no clear explanation or documentation of how those funds were applied. 

Accordingly, I request that you provide the following : Documentation showing that I am legally obligated to pay this debt, including a copy of any lease, contract, or agreement bearing my signature. 

A detailed payment history reflecting all charges, payments received ( including government assistance funds ), credits, and any alleged balance owed. 

The name and address of the original creditor, and documentation of any transfer of ownership or management of the apartment complex relevant to this account. 

Proof that you are authorized to collect this debt, including your state licensing information if applicable. 

Until this information is provided, please cease all collection activity, including reporting this alleged debt to any credit reporting agencies. If this debt has already been reported, I request that it be marked as " disputed '' with all three major credit bureaus ( XXXX XXXX XXXX XXXX ) until this matter is resolved. 

Please note that this letter is not an acknowledgment of liability but a request for validation. Any continued attempt to collect this debt without proper validation may constitute a violation of federal law. 

I expect a response within 30 days of receipt of this letter. Please send all correspondence to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
PSLF Buyback request submitted XX/XX/XXXX, case # available upon request. 
Have called and emailed on numerous occasions throughout this 6 month+ waiting period requesting update and resolution of buyback request. 

Called student aid.gov XX/XX/XXXX Called student aid.gov XX/XX/XXXX Emailed XX/XX/XXXX Emailed XX/XX/XXXX Emailed XX/XX/XXXX Each time received some variation of this response ( from email received XX/XX/XXXX from XXXX XXXX studentaid.gov ) " Unfortunately, we can not assist with your inquiry about the status of your reconsideration cases. You will be contacted by email when a decision has been made. Due to the high volume of requests, we can not provide an estimated resolution timeframe, and processing can not be expedited. "

Company response to consumer: Untimely response