vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: MOHELA
State: NC

Complaint narrative:
Hello, i attended XXXX in XXXX and took out student loans ( at that time is was XXXX XXXX, then XXXX and now Mohela and XXXX ) but after calling the school a year ago asking for my transcripts i found out that it was a fraudulent university. In XXXX, the institution changed its name to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). From XX/XX/XXXX until XX/XX/XXXX, there was a second XXXX campus location in XXXX. In XX/XX/XXXX, the institution was renamed XXXX XXXX and the campus closed in XX/XX/XXXX. I started having conversations with XXXX about this fraud and keep telling now Mohela and XXXX but they are ignoring me. I know in fact that many other students filed a lawsuit and the student loans ( private and federal ) have been completely XXXX  out. Basically i have been paying for something that does not even exist. I have no idea where to go and what to do and thought you might be able to able or to give more insights. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding my Wells Fargo Reflect credit card and the 0 % APR promotional offer. 
I applied for and used this card specifically because of the 0 % APR promotion. Based on this offer, I made a financial decision and did not apply for other 0 % APR credit cards, even though I regularly receive such offers.

When the promotional benefit was not honored as expected, I contacted Wells Fargo multiple times to request assistance. I was told I would receive a callback, but no one contacted me. 
I later spoke with a representative from the Executive Office ( name provided verbally as XXXX XXXX ), and despite clearly explaining my situation, I was told that no action would be taken and that there was no further escalation available. 
I also attempted to contact the Executive Office by email, but Wells Fargo does not accept emails for this office. 
I relied on Wells Fargos promotional terms in good faith, and their refusal to assist has caused me financial harm. I am requesting a fair review and resolution, such as reinstating the promotional 0 % APR or providing an alternative remedy, along with a clear written explanation.

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 2025-12-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX XXXX  you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
I was sold a solar loan based on representations that my payment would remain approximately {$120.00} per month if I applied the federal tax credit. I was not informed that the payment would permanently increase if the credit was less than expected. 

The tax credit was significantly lower than represented, making the required {$8000.00} principal payment impossible. As a result, my payment increased to over {$180.00} per month, creating severe financial hardship. 

I support an XXXX  family member living in the home and already carry mortgage and rent obligations. The servicer has assessed late fees and reported delinquency, damaging my credit, despite my good-faith efforts to pay. 

I am requesting hardship accommodation, removal of negative credit reporting, and a loan review consistent with fair lending and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Quality Asset Recovery LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your recent message regarding the alleged medical balances you claim are owed to XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

Your response does not constitute proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Merely stating that balances exist and referencing insurance payments does not meet the legal standard for verification. 

To date, you have failed to provide the following required documentation : An itemized statement for each alleged account Dates of service for each charge Proof that I am financially responsible for the alleged debts Proof that your agency has the legal authority to collect on these accounts Copies of any contracts, agreements, or signatures linking me to the debt Explanation of Benefits ( EOBs ) showing how the balances were calculated Additionally, your statement regarding the 30-day validation period is misleading. While the FDCPA provides a 30-day window to prevent automatic assumption of validity, a consumer may dispute a debt at any time, and upon dispute, collection activity must cease until proper validation is provided.

You also referenced alleged communication attempts and third-party contact. Please be advised that discussing or attempting to collect a debt through third parties without authorization may constitute a violation of the FDCPA.

At this time, these accounts remain formally disputed. Until proper validation is provided, you are to cease all collection activity, including reporting or continuing to report this information to any consumer reporting agency. 

If you are unable to provide the required documentation, I request that these accounts be closed and removed from any reporting systems where applicable. 

Please provide your written response and supporting documentation through this CFPB portal. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I have reached out to this company about information that was placed on my credit report. It was removed XX/XX/XXXXXXXX  and then recently when applying for an apartment i see that is was added back in XX/XX/XXXX. With no written indication as to why or what authorized such a transaction. They are negatively impacting my credit report with no explanation as to why.

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 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-29 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$20000.00XXXX XXXX XXXX XXXX Balance : {$5900.00} Inquiries : [ No inquiries listed ] Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am submitting a formal complaint and billing dispute regarding a retroactive interest charge of {$2800.00}, which was applied to my CareCredit account on XX/XX/year>. 

CareCredit/Synchrony Bank has stated that this charge resulted from terms I allegedly agreed to approximately two years ago, including a deferred-interest promotion with an interest rate of approximately 32 %. I do not recall being clearly informed of, nor knowingly agreeing to, deferred interest or retroactive interest being applied if a balance remained. 

I have repeatedly requested written proof of this agreement, including a copy of the contract with my signature or electronic authorization showing that I knowingly accepted these terms. To date, CareCredit has failed to provide any proof that I signed or agreed to such a contract. 

Because no documentation has been produced to substantiate my consent, I am formally disputing the validity of the {$2800.00} interest charge under the Fair Credit Billing Act. I do not acknowledge this portion of the debt. 

This account was opened in a medical context, where financing is often presented verbally as no interest, without a clear and conspicuous explanation of deferred interest terms or the significant financial consequences of carrying a remaining balance. I believe this practice is misleading and does not constitute informed consent. 

I am requesting the following : Written proof of the agreement I allegedly signed, including my signature or electronic authorization. 

A detailed explanation of the promotional terms applied to my account. 

Removal or waiver of the retroactively applied interest charge of {$2800.00} pending the outcome of this dispute. 

Confirmation that no negative credit reporting will occur while this matter is under investigation. 

Until CareCredit/Synchrony Bank provides documentation proving my informed consent, I believe these charges are improper and should be reversed. 

Thank you for your attention to this matter. I expect a written response within the timeframes required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
My bank account was flagged for fraudulent activity in late XX/XX/XXXX. I contacted the bank immediately, spoke with two representatives, and my password was reset successfully. Two days later, without further explanation or warning, the bank fully closed my account. 

Since the account closure, I have been attempting to recover approximately {$4000.00} in my funds. This process has been ongoing for over two months. 

Timeline : XXXX XX/XX/XXXX : Account closed by the bank after fraud review. 
XXXX XX/XX/XXXX : I attempted to have funds transferred to my external bank account. This failed after multiple attempts, including coordination between both banks. 
XXXX XXXX : I requested that the funds be sent to me by check. 
I was informed that a bank statement was required to issue the check. I submitted the requested bank statement promptly. 
I contacted the bank and was explicitly told the statement was received and that a check would be sent within 710 business days.

After more than 20 days with no check received, I contacted the bank again and was told they could not verify whether the check had been sent. 
On XX/XX/XXXX, I was informed that despite previously confirming the check would be sent, the bank would not issue the check and now required additional forms and documentation. I was never notified of this change, nor was I informed that additional steps were required before. 

At no point was I proactively contacted about missing information or delays. Each time I comply with the banks requirements, new requirements are added retroactively. I have now been without access to my own funds for over two months with no clear resolution timeline.

I am requesting : 1. Immediate release of my funds via check or verified transfer.

2. A written explanation for the prolonged delay and contradictory information provided.

3. Confirmation that no further documentation will be required. 

This situation has caused significant financial stress and represents an unreasonable delay in returning my own funds after account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am submitting this dispute regarding the accounts listed below, as they contain inaccurate information on my credit report. I request that the accounts be corrected and the inaccurate entries be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

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 2025-12-29 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: CO

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested from each company above to provide a chain of evidence in order to verify that this alleged debt belong to me. I have requested per the FCRA that these companies abid by there legal obligation under consumer laws. If these companies fail to provide this evidence I request per the FCRA these item be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
According to A 15 U.S.C. 1681 it is illegal to report inaccurate information on my credit report without my permission. Im unaware of this debt and didnt get the chance to dispute this account. Please remove this account if you can not legally provide Certified mail with a receipt displaying my signature for account XXXX or this will result in legal action.

Company response to consumer: Closed with explanation