vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-05-06 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My credit report shows a credit card in my name with JPMCB BANKXXXX XXXX XXXXXXXX XXXX Delaware. It says account opened XX/XX/XXXX and reported XXXX XXXX  XXXX. I also have a new address under my profile that is not mine. XXXX XXXX XXXX. XXXX Florida. XXXX. I contacted chase bank and they have no record of me so they couldnt help me. Yet when I disputed this with XXXX,, they told me that the card was opened under my info that its my responsibility. My credit dropped from XXXX to XXXX. If you look at my past credit you can clearly tell that this is not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: TX

Complaint narrative:
b'I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. \n\nAccount Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO\t3/28/2025\n\tAMERICREDI\t3/28/2025\n\tGLOBALLEND\t3/28/2025\n\tSTELLANTIS\t3/28/2025\n\tALLYFINANC\t3/28/2025\n\tGMFNANCIAL\t3/28/2025\n\tSTELLANTIS\t3/29/2025'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MO

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against MOHELA regarding serious and ongoing mismanagement of my federal student loan account under the SAVE plan. 

Despite being in a 0 % interest forbearance period, my account has improperly accrued approximately {$150000.00} in interest, which has been added to my principal balance without legal basis. I have made repeated attempts to have this corrected through MOHELA, spending hours on hold over multiple weeks and months, with no resolution. 

On XX/XX/XXXX, a MOHELA supervisor confirmed that this interest was applied in error and assured me that the interest rate would be corrected to 0 % and that my balance would be restored to XX/XX/XXXX to reflect the correct principal balance. She stated this would be completed within 510 business days. That phone call was recorded. 

As of today, not only has no correction occurred, but my loan balance has increased further without notice, exacerbating the financial harm. MOHELAs inaction and lack of accountability are unacceptable. I have documented my efforts to resolve this directly with the servicer ( repeated calls and emails ) and am now forced to escalate. 

I am requesting that your office investigate this matter and intervene to ensure the immediate correction of my account, and to hold MOHELA accountable for their failure to comply with federal policy regarding interest during the SAVE forbearance. 

I am also seeking clarification on what recourse is available to borrowers when a federal servicer repeatedly disregards policy and fails to resolve issues in a timely or transparent manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loan Science, LLC
State: NY

Complaint narrative:
I received a letter dated XX/XX/year>, from XXXX New Hampshire University ( XXXX ), stating that I had until XX/XX/year>, to pay off or set up a payment plan for a balance of {$2800.00} before they would refer the debt to a third-party collection agency. However, on XX/XX/year>, just XXXX days later, I received a notice from Loan Science , LLC, stating that they are collecting this debt on SNHUs behalf. 

This violates the terms clearly outlined in the XXXX letter, which gave me until XX/XX/XXXX. I was denied the time I was promised to arrange a payment or plan, and this premature action threatens my credit and limits my options for resolution. Because XXXX violated the XX/XX/XXXX deadline and prematurely sent the debt to collections, it has likely already been reported to the credit bureaus. This has damaged my credit rating without providing the grace period XXXX promised in writing. I am requesting that this debt be recalled from collections until the agreed-upon deadline of XX/XX/year>, and that no negative credit reporting occurs before that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-06 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:
I've reviewed my EQUIFAX credit report and found a number of items that appear to be incorrect. I would appreciate knowing if you have completed a thorough investigation into these inaccuracies. Personal Information for EQUIFAX NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00} It's very important that your company complies with all applicable consumer laws and reporting standards. Please put this back in my credit reports and only removed the late payments for XX/XX/XXXX and XX/XX/XXXX but never delete this account. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} It's very important that your company complies with all applicable consumer laws and reporting standards. Please put this back in my credit reports and only removed the late payments for XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} It's very important that your company complies with all applicable consumer laws and reporting standards. Please put this back in my credit reports and only removed the late payments for XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Complaint Against Debt Collector for False Reporting, Retaliation, and FDCPA Violations : I am submitting this complaint regarding a debt collection agency, Jefferson Capital Systems LLC, that is willfully reporting inaccurate, fraudulent, and random information on my consumer credit report in violation of the FDCPA, Regulation F ( 12 CFR Part 1006 ).

The collection agency in question has repeatedly reported a debt to the credit bureaus which is not mine. I have not entered into any financial agreement or loan with this entity, and they are misrepresenting themselves as a credit on my consumer report, in violation of 12 CFR 1006.34.

I sent several rounds of communications asking for debt validation that they sent or verified with any of the credit bureaus : XX/XX/year> and another on XX/XX/year>, after failing to respond with validation. Originally they said that I owed XXXX as I never had an account with that company. The accounts were removed as the company. XXXX, couldn't not validate the date and did NOT respond to the requests. 

Additionally, I formally requested a Form 1099-C for the alleged debt, which has not been provided to date. This raises additional legal concerns, as Jefferson is reporting the debts charged off & sold, and yet no IRS reporting has been made available to me. 

Today, XX/XX/year>, I was notified that Jefferson is now reporting a debt as a loan company on to my consumer reports in retaliation of loosing the dispute as they have violated my legal rights. They continue violating my rights by posting random debts that they never notified me of, that has just posted today, XX/XX/year> with a company named XXXX, XXXX that I've never heard of and by a XXXX search has gone out of business. 

This pattern of conduct represents not only a failure to comply with federal law, but a deliberate attempt to misrepresent, retaliate, and damage my credit standing. In addition to this entry with the CFPB, I've also placed an entry to the IRS for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX I was making a purchase at Kohl 's and was offered a discount to apply for a Capital One credit card. My application was immediately denied because they said I already had an existing Kohl 's card. I then completed the purchase using a different credit card and did not use the Kohl 's card ( don't even carry a copy of that card ). In XX/XX/year> ( according to Capital One ) unbeknownst to me, a {$71.00} charge was applied to my Kohl 's Capital One. Following this, they say they began sending statements from Capital One, but as I did not have a Capital One card ( due to the declined new application ), I must have believed these were simply solicitations and discarded them unopened. It wasn't until XXXX of the following year, when an envelope marked with collection language arrived, that I opened it and discovered a past due balance of {$190.00}, including fees and interest. Upon contacting Capital One to investigate, I reported the charge as fraudulent. Initially, Capital One incorrectly opened the case as a fraudulent account opening, which was subsequently denied. My husband contacted them again a couple of weeks later, and after discussion they changed the dispute to a fraudulent charge, only to then claim that the dispute was too old to be investigated due to exceeding a 60-day window. Capital One CASE XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-06 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: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The XXXX XXXX account from XXXX was closed and paid in full. The payment was never late. I have a letter from XXXX Bank confirming that my XXXX XXXX account was closed, paid in full and has a zero balance. XXXX XXXX  is engaging in fraudulent or scam business practices. I request you to remove wrong information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX added fraudulent charges and late payment fees to my XXXX XXXX account after I closed it. The XXXX XXXX account from XXXX was closed and paid in full. The payment was never late. I have a letter from XXXX Bank confirming that my XXXX XXXX account was closed, paid in full and has a zero balance. XXXX XXXX  is engaging in fraudulent or scam business practices. I request you to remove wrong information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation