vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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 XXXX XXXX is writing to formally report that i was reviewing my credit report and it came to my attention that fraudulent activities has been conducted and i am a victim of identity theft. I did not open or authorized any account with company name ( XXXX ) Please remove from my report as soon as possible as this is affecting me and my family.

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 2025-04-15 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: OH

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 21 days before the payment due date. 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!

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Net credit has behaved as a predatory lender charging me at least {$4500.00} in just fees for a {$5000.00} loan limit, over the course of only 8 months. 

I was charged {$2700.00} between XXXX and XX/XX/XXXX and {$1700.00} between XXXX and XXXX XXXX, in fees alone. 

I took a {$5000.00} loan out with NetCredit in XX/XX/XXXX and was hit with very large fees and interest that meant that paying back the loan became extremely difficult, stressful and nearing impossible. 

Ultimately, I can see from the statements that I ended up paying back 200 % + which was not made clear enough within the agreement. And is predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Account was closed XX/XX/year> for the reason of suspected fraud but not by my own actions. My identity was stolen, my social media account were hacked such as my XXXX which help photos of my important documents such as my social security card, drivers license, and my birth certificate. I was also scammed into thinking I was taking on a new position for a remote job, they told me to cash a check to buy the computer equipment to work, I was desperate and coming back from Arizona to Connecticut trying to get back on my feet, I believed this person. I found them on telegram. My mother was able to inform me that the check was a fraud check but I had already tried cashing it through the Bank of America app, I soon forwarded two payments of {$30.00} in an attempt to stop the check from being processed. Not too long after my account was closed without anyone from the branch reaching out to inquire about what may have happened. I do not have a history of fraud on my account. I was able to obtain my consumer report from early warning that reflects bank accounts in Pennsylvania that were trying to be opened in my behalf but it was not me trying to open these accounts. I have filed a report of fraud via the identity theft government website.

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 2025-04-15 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA..

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 2025-04-15 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:
XXXX XXXX XXXXXX/XX/scrub>/2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX/XXXX/2025

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 2025-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXX/XX/scrub>/2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX/XXXX/2025

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am filing a compliant because my creditor if reporting late payments on my Discover account ending in XXXX, that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation, under 15C USC 1681 s2a, a furnisher must report accurate information under 15 USC 1681 i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Dear MoneyLion, I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Type : Credit reporting Sub-issue : Incorrect information on your report Company Name : XXXX XXXX  Account Number ( last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Charged Off {$10000.00} Past Due Complaint : I am filing a formal complaint against XXXX XXXX  regarding an account reported as charged off with a balance of {$10000.00} ( account ending in XXXX ). This account is reporting as past due and charged off, but I dispute the accuracy of the balance, the charge-off status, and the ongoing reporting. 


I previously submitted a dispute to the credit bureau requesting full validation and documentation of the alleged debt, including the original agreement, payment history, and accounting records. I did not receive proper validation from XXXX.

CFPB Complaint for CAPITAL ONE Complaint Type : Credit reporting Sub-issue : Problem with a credit reporting companys investigation into an existing account Company Name : Capital One Account Number ( last XXXX ) : XXXX Date Opened : XX/XX/XXXX Status : Charged Off {$5300.00} Past Due Complaint : I am disputing the accuracy of a charged-off account reported by Capital One ( account ending in XXXX ). The account is listed as charged off with a balance of {$5300.00}, but this reporting is inaccurate and incomplete. 

I previously submitted a dispute requesting full investigation and validation of the debt, including the original agreement, payment activity, and details leading to the charge-off. I received no adequate documentation or evidence that supports this continued negative reporting. 

Capital Ones response to my dispute was insufficient and failed to meet the obligations outlined in the Fair Credit Reporting Act ( FCRA ). I am requesting that the account be deleted from my credit report for failure to verify the debt and for reporting a balance that may not reflect any payments or internal adjustments.

I respectfully ask the CFPB to review this case and compel Capital One to provide documentation or remove the account entirely from all credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to investigate and provide accurate, verifiable information. The continued reporting of this charge-off without any supporting documents or evidence of the alleged debt constitutes negligent reporting and a potential violation of the FCRA. 

I respectfully request this account be removed entirely from my credit report due to the lack of verification and ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has reported inaccurate information on my credit file, which I have disputed and provided documentation to correct. Despite this, the errors persist. I have attached a screenshot showing the inaccurate reporting. This issue has harmed my credit standing and affected my ability to secure credit.

Notably, the CFPB recently fined Equifax for failures in their credit reporting practices, including misleading consumers and failing to ensure the accuracy of credit data. My experience appears consistent with the kind of noncompliance the CFPB addressed in its recent action.

Equifax has failed to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) to maintain accurate data and conduct a reasonable investigation when a consumer disputes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information.

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Complaint Type : Credit reporting Sub-issue : Incorrect information on your report Company Name : Discover Bank Account Number ( last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Charged Off {$10000.00} Past Due Complaint : I am filing a formal complaint against Discover Bank regarding an account reported as charged off with a balance of {$10000.00} ( account ending in XXXX ). This account is reporting as past due and charged off, but I dispute the accuracy of the balance, the charge-off status, and the ongoing reporting. 


I previously submitted a dispute to the credit bureau requesting full validation and documentation of the alleged debt, including the original agreement, payment history, and accounting records. I did not receive proper validation from Discover. 

CFPB Complaint for XXXX  XXXX Complaint Type : Credit reporting Sub-issue : Problem with a credit reporting companys investigation into an existing account Company Name : XXXX  XXXX Account Number ( last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Charged Off {$5300.00} Past Due Complaint : I am disputing the accuracy of a charged-off account reported by XXXX  XXXX ( account ending in XXXX ). The account is listed as charged off with a balance of {$5300.00}, but this reporting is inaccurate and incomplete. 

I previously submitted a dispute requesting full investigation and validation of the debt, including the original agreement, payment activity, and details leading to the charge-off. I received no adequate documentation or evidence that supports this continued negative reporting. 

XXXX XXXX response to my dispute was insufficient and failed to meet the obligations outlined in the Fair Credit Reporting Act ( FCRA ). I am requesting that the account be deleted from my credit report for failure to verify the debt and for reporting a balance that may not reflect any payments or internal adjustments.

I respectfully ask the CFPB to review this case and compel XXXX XXXX to provide documentation or remove the account entirely from all credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), data furnishers are required to investigate and provide accurate, verifiable information. The continued reporting of this charge-off without any supporting documents or evidence of the alleged debt constitutes negligent reporting and a potential violation of the FCRA. 

I respectfully request this account be removed entirely from my credit report due to the lack of verification and ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
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 21 days before the payment due date. 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!

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 2025-04-14 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: NY

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 21 days before the payment due date. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
In reference to complaint XXXX, MOHELA continues to charge interest despite placing me in administrative forbearance. The company also fails to notify when that forbearance ends & adds a large amount of interest.

Company response to consumer: Closed with explanation