vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I am filing this formal legal complaint to request officer-level review due to continued violations by the credit bureaus : TransUnion, Experian, and Equifax. Despite prior disputes, each bureau has failed to investigate and correct multiple items that are inaccurate, incomplete, and legally unverifiable, in violation of : Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, 1681s-2 ( b ), and 605 ( a ) ( 5 ) Uniform Commercial Code ( UCC ) 3-305, 3-501, and 9-210 Specific Issues in My Report : XXXX. XXXX XXXX Charge-Off Marked as profit/loss but debt was already satisfied through trust or insurance ( i.e., the company was compensated ). 
Reporting this as a charge-off is double-collection, misleading, and unlawful. 
Demand : Permanent deletion due to prior payment and misrepresentation. 

XXXX XXXX Charge-Off Same as above. Profit/loss status = already paid. 
Demand : Deletion under UCC 3-305. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) Late Payments Account is open and current. No late payments in over a year. 
I completed their hardship program, and have paid in full monthly since. 
Reporting of past delinquencies is outdated, punitive, and inaccurate. 
Demand : Remove all late marks per FCRA 1681e ( b ) and 605 ( a ) ( 5 ). 

XXXX. XXXX XXXX  XXXX Payments Also current and in good standing. 
Past late payment being reported is inaccurate this account was set on auto pay during the time they are reporting this. The account also had been paid every month Demand : Remove all past late marks. 

XXXX. XXXX XXXX XXXX Unknown Tradeline I never authorized, applied, or transacted with this company. 
Demand : Immediate deletion as this is unverifiable and unauthorized ( FCRA 1681b and 1681i ).

6. Unauthorized Inquiries ( Hard Pulls ) The following companies ran unauthorized hard inquiries without my consent : XXXXXXXX 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 None were approved by me in writing or electronically. These are clear violations of FCRA 1681b ( c ) permissible purpose rule. 
Demand : Permanent removal of these inquiries. 

Additional Notes : I was a confirmed victim of the Equifax data breach. 
These inaccurate entries are damaging my credit and ability to secure stable housing, financing, and insurance. 
The credit bureaus have not conducted proper investigations or provided documentation as required under FCRA 1681i ( a ) ( 5 ).

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 2025-07-31 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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
Consumer complaint received 2025-07-31 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: NH

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint about a private student loan that was originally taken out for a school that has since shut down. The loan has been passed between multiple servicersstarting with XXXX XXXX, then XXXX, and now MOHELAand I have never received a clear or consistent explanation of my loan balance, interest accrual, or how my payments have been applied. 

I feel taken advantage of and misled. The balance seems inflated, and the loan servicers have not provided a transparent or itemized history. I was never told about any relief options even after the school closed, and I was not made aware of what rights or protections I had. 

I am requesting a full, documented accounting of the loan, including all fees, interest, and payments. I also want the CFPB to investigate whether this private loan was made under deceptive circumstances, especially since the school no longer exists and may have been involved in misleading enrollment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX DISMISSED reference # 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 2025-07-31 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX DISMISSED reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Chime Financial Inc
State: CA

Complaint narrative:
I recently received an email notification from Chime about a new login to an account. However, I have never opened a Chime account, nor have I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LEXISNEXIS
State: IL

Complaint narrative:
This is a formal dispute regarding the Bankruptcy you are reporting on my consumer file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required to ensure maximum accuracy and to fully verify any disputed item. Additionally, under UCC 3-501, I am demanding presentment of the original contract and any source documentation used to verify this public record. The court does not report consumer information to LexisNexis or any consumer reporting agencies. Therefore, unless you have first hand documentation or the original furnishing party, you are in violation of federal law by continuing to report unverified and inaccurate public record data. I am requesting : A copy of the original source used to verify this bankruptcy The method and party used to obtain and verify this information If you can not provide verifiable, documented proof, you are required by law to delete this item from my file immediately under FCRA 1681i ( a ) ( 5 ) ( A ). XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Experian compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance. 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-31 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: GA

Complaint narrative:
My personal and financial data was compromised as a result of a data breach. I request full removal of the incorrect names and addresses and unauthorized inquiries and accounts which have been closed and placed in collections GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was defrauded by a seller who took my money but sent me a damaged item not as described. I reported this to Cash App, but they dismissed my case without a proper investigation. I trusted their platform, and they failed to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I recently applied for a credit card from Capitol One and was approved today. Upon getting approved several relatives contacted me saying Capitol One 's fraud department contacted them, asking them to have me call back their number ( XXXX ). I was initially skeptical, so I googled the number and it said that the number belonged to Capitol One. I eventually called them and they had me give them my full name and phone number, which was typical. I had asked why my relatives were contacted if they were trying to get into contact with me ( they had my phone number on file ). They told me that they needed my social security number ( SSN ) to check the file and fully confirm my identity. I immediately said no, because in the past when I've talked to Capitol One, they've only asked for my name and date of birth to look up my file. I questioned why my family was contacted over a credit card application ( which I already knew was approved at that point ) and they told me it's because they look up my phone number in the public records. This was weird to me because why would a bank look up my phone number in public records to get into contact with me when they had my number on file. If they were trying to verify my identity, they'd ask those people in question to validate my identity, not bombard them with the false information pleading then to have me personally contact them at a specific phone number. It would appear that they tried to sway my common sense by getting my family involved and concerned. After I confronted them about it, and told them my application was already approved, they still wanted to look up the file with my SSN and I continued to tell them it was already approved so why look it up. I told them I have the case number, so look it up by the case number. That's when he quickly changed topics and said my family wouldn't be contacted again and to have a nice day. I then looked up the phone number again with the keyword " scam '' in it and apparently it's an old phone number of Capitol One 's. That was why it showed up as captiol one in caller ID. I don't want others to potentially fall victim to this scam, so that is the reason I am filing this report and reporting the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 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 2025-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
My insurance XXXX XXXX covered my hospitalizations and I have no knowledge where these XXXX accounts with balances of over XXXX dollars come from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: GA

Complaint narrative:
I have student loans with MOHELA. I have an email correspondence from them on my account that I will NOT be collecting interest during forbearance. However, I have been collecting interest while in forbearance even after this letter correspondence from them. 

This is the exact message I received from MOHELA on XX/XX/XXXX, While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. This plainly states ( which I detrimentally relied on ) that I will not be collecting interest. 

In addition, I am on the XXXX plan. The XXXX plans litigation resulted in a 0 % interest forbearance. This too suggests I should not be collecting interest however I have. My interest totals a few XXXX at this point. 

Lastly, with XXXX, I was not suppose to be collecting interest on months I wasnt in forbearance AND paying my monthly minimum. XXXX  was suppose to cover any remainder above the monthly minimum. MOHELA still charged me the interest, which is reflected on my account. 

Not only do these XXXX examples reflect erroneous interest collection on my account, it will have a big effect on my payment when the forbearance ends in XX/XX/XXXX. Now my payment calculations will be based of interest that I have collected, which I shouldnt have collected in the first place. 

All that to say is, I need help ( please ) with MOHELA and eliminated erroneous fees and interests I have incurred on my student loans. Thank you so much for your help with this.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Over the course of more than a year, my Bank of America checking account was used without my knowledge to fund hundreds of unauthorized transactions through XXXX. These included frequent payments, sometimes multiple times per day, to my adult daughter XXXX XXXX, who has a documented history of financial abuse and is currently under active police investigation in Massachusetts. 

This occurred while I was serving as the full-time caregiver for my terminally ill husband, who passed away in XX/XX/year>. During that time, XXXX gained access to my personal devices and manipulated my XXXX and banking login credentials, disabling transaction notifications and taking advantage of my vulnerability. 

This is financial elder abuse and identity theft. I only discovered the fraud after my husbands death, and it continued even after he passed. I immediately filed a police report, submitted documentation to Bank of America, and requested an investigation, but I have not yet received a response. 

I have full documentation, including : Screenshots of each unauthorized transaction A timeline of events My government-issued ID My husbands death certificate A police report A formal statement of facts I believe Bank of America failed in its duty to protect my account from highly suspicious activity that clearly involved fraud. I am requesting that they immediately investigate and reimburse the stolen funds.

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