vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and misleading information being reported by several creditors on my credit report, which is negatively impacting my creditworthiness. Despite my efforts to resolve these issues directly with the creditors, they remain unresolved. 

The inaccurate information is as follows : Addresses reported incorrectly : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Not my address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Not my address Inaccurate account information and late payments : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$3500.00} Reported late payments incorrectly XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$2000.00} Reported late payments incorrectly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$490.00} Reported as Charge Off, which is inaccurate These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus must be accurate and verifiable. Reporting false addresses, late payments, or charge-offs that are incorrect is unacceptable and severely damaging to my financial reputation. 

I request that the CFPB investigate these matters immediately, direct the creditors to correct or remove these inaccurate entries, and ensure my credit report reflects the correct and truthful information. I am also requesting confirmation from your office once these corrections have been made. 

Please find all supporting documentation attached, including account statements, proof of residence, and correspondence with the creditors. 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
Received a message from a friend that someone called them looking for my information and told them I have a warrant which was never told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX | Email : XXXX XX/XX/year> Consumer Financial Protection Bureau Attn : Consumer Response Center ( XXXX XXXX XXXX XXXX XXXX ) Re : Complaint against XXXX XXXX XXXX ( XXXXXXXX XXXX ) and Ford Motor Credit approved credit with term options withheld ; multiple hard inquiries for a single transaction ; failure to provide required finance disclosures ; improper card charges Dear CFPB Consumer Response Team, I authorized credit inquiries for the purpose of receiving my approved financing term options and was told the dealer was too busy to provide them until I arrived. The dealer then ran my credit several times over multiple days before my arrival and again on the day of sale, represented that I was approved, but still refused to provide my Ford Motor Credit term options either before or during my visit. I arrived with a bank check and waited approximately XXXX hours ; the vehicle was detailed only after that delay, returned with fresh damage, and the dealer refused to consummate the sale while attempting/placing significant charges. 
Requested CFPB actions : Require Ford Motor Credit and the dealer to produce my full creditapplication file, the specific approved term options, the Notice to Vehicle Credit Applicant, and any riskbased pricing or creditscore disclosures. 
Removal of all hard inquiries related to the transaction since all terms were withheld Confirm whether any required notices were triggered and require delivery if applicable. 
Confirm reversal of erroneous charges tied to the disputed transaction. 
Refer any unfair, deceptive, or abusive acts or practices as warranted. 
Investigation of fraud in sales tactics, marketing, and refusal to honor advertised pricing. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law XXXX XXXXXXXX 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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I applied for a Capital One XXXX XXXX credit card and was approved by the company nearly instantaneously ( this transaction occurred online ). At that point, I learned that a fraud alert or hold was placed on the card ; the company alleged they were not sure if I authorized the transaction. They asked for a copy of my DL. I sent it to them. Since that time, I have been informed by their Fraud Department that it will take one to ten business days for them to verify that my DL is real. I have tried escalating the matter with the company and was unable to do so. I was informed by supervisors at the company fraud department that someone from their back office would review the license and would telephone me when the verification process is completed. I will be moving to a new location ; the mail where I currently reside will not be forwarded to me. I don't know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: CA

Complaint narrative:
I am disputing inaccurate and incomplete reporting of my Kovo Inc. account across all three credit bureaus ( XXXX XXXX XXXX XXXX ). Each bureau has reported conflicting, unverifiable, and misleading information regarding payment history, account status, and closure dates. Despite my formal written disputes to all three bureaus and to Kovo Inc., the account remains incorrectly reported and continues to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy and delete or correct any unverifiable information. Kovo Inc. also has responsibilities under 623 as a furnisher of information.

I am requesting that the CFPB require Kovo Inc. and the credit bureaus to delete this account in its entirety. The only acceptable alternative is correction of the account to reflect a positive payment history with no late payments. Additionally, I request full disclosure of the methods of verification used by each bureau and Kovo Inc. to verify this account, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau and Synchrony Bank, I am filing a complaint regarding unauthorized charges for Payment Security Debt Cancellation on my Lowes ( Synchrony Bank ) credit card account ending in XXXX. 
On XX/XX/XXXX, Synchrony Bank sent me a letter stating that I purchased Payment Security on XX/XX/XXXX via an online enrollment. I did not enroll in or authorize this program at any time, and I was never informed that such charges were being applied to my account.

After I contacted Synchrony about these unauthorized fees, I was told I would receive a credit of approximately {$470.00}. At no time did I agree that this credit represented a full or final settlement. Synchrony did not inform me that accepting the credit would close the dispute, and I never consented to that interpretation. 
The charges appear to have been added automatically or without informed consent, and they have been accumulating for five years, approximately {$40.00} per month, with interest charged on those unauthorized amounts. This has significantly inflated my balance and interest payments.

I am requesting : 1. A full investigation and documentary proof of how and when I supposedly enrolled ( including IP address, device information, timestamp, and consent record ).

2. A complete refund of all Payment Security fees charged since XXXXXX/XX/XXXX. 
3. A refund of all interest charged on those fees.

4. A recalculation of my account balance as if the Payment Security program had never been added.

5. Written confirmation that my acceptance of a partial credit does not constitute settlement or waiver of further claims.

I believe Synchronys handling of this product and its lack of clear consent or disclosure practices may violate the Truth in Lending Act and CFPB regulations regarding unauthorized add-on products. 
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 2025-10-10 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 confirm I am not connected to these creditors and never consented to this inquiry. Please remove it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
Transunion is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various Metro 2 reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

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 2025-10-10 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX I dispute it and they updated without providing me information I ask for

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 2025-10-10 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 am filing this complaint because I previously submitted disputes to all three credit bureaus regarding accounts that I do not recognize and that are being inaccurately reported on my credit file. I also created an official Identity Theft Report and attached it to my dispute letters to validate my claim and identity. Despite providing all the necessary documentation and following proper procedures, the inaccurate and unauthorized accounts are still appearing on my credit reports. 

This ongoing issue has caused unnecessary stress and damage to my credit reputation. The bureaus have not provided sufficient verification of the accounts nor have they corrected or deleted the inaccurate information as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: MI

Complaint narrative:
Here is proof that on XX/XX/2023 I had a positive balance of {$550.00} proving that rent was payed up to that point proving that the rent that should be owed to the apartment is not properly reflected on the statement, I did not have a negitive account balance at move out of {$13000.00} I had a negitive account balance of {$3800.00} on XX/XX/XXXX, that plus XXXX XXXX and XXXX  days into XXXX in rent is the amount of total rent I owe XXXX  days in XXXX is {$380.00} plus XXXX XXXX and XXXX which is {$11000.00}, as rent was XXXX a month, totals {$11000.00} in total rent owned not {$37000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 filed a formal dispute with Equifax concerning accounts on my credit report that I do not recognize and that appear to have been created through identity theft. I included an identity theft report along with valid proof of my identity and supporting documentation. However, even after submitting this information, Equifax has failed to remove or correct the inaccurate information. These fraudulent accounts remain on my credit file, negatively impacting my credit and causing unnecessary stress. This demonstrates a lack of proper reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I am writing to formally raise a complaint regarding a serious issue with my student loan repayment plan management by MOHELA.

After being placed in SAVE forbearance, I was somehow enrolled in the SAVE repayment plandespite not selecting this plan myself. This placement is not aligned with my repayment strategy and, as I understand, may not even qualify as a legal or valid repayment plan in my current situation. 

When I contacted MOHELA in XX/XX/year> to correct this error, I was told that I would be placed in a processing forbearance to allow time for review and transition into an appropriate Income-Driven Repayment ( IDR ) plan. However, during a follow-up call on XX/XX/year>, I was informed that this request had never been submitted. As a result, I must now wait an additional 10 business days for a new request to be processedwithout any confirmation in writing.

Over the past month, I have spent approximately four hours during my workdays on hold or speaking with MOHELA representatives, trying to resolve this issue. This situation has caused significant stress and confusion, especially given that I am fewer than six months away from reaching Public Service Loan Forgiveness ( PSLF ) eligibility. It is extremely concerning that these administrative delays and errors are putting my progress toward forgiveness at risk.

Company response to consumer: In progress