vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
Paid off debt and debt amount was added to credit even as it was paid in full still showing {$130.00} owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: WA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2025-09-01 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 Balance : {$990.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Transunion XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C XXXX681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding XXXXXXXX XXXX  handling of my bank account and their decision to freeze it without explanation, leaving me unable to access my own funds. 

In XX/XX/year>, my home was destroyed by a fire in XXXX. Since then, I have been displaced, homeless, and living in and out of motels while traveling between XXXX and XXXX, awaiting insurance settlement payments. I am also XXXX, which makes this situation even more precarious. 

I opened a bank account with Capital One to receive my insurance proceeds. Earlier insurance deposits were received without issue. Last week, I received a settlement payment of approximately {$26000.00}, which was deposited into my Capital One account. My plan was to use these funds to purchase an RV to live in, since I have no permanent housing. 

Before attempting the purchase, I updated my address through Capital Ones online system as instructed by their website ( which states customers no longer need to call to notify of travel or moves ). I then contacted the bank to request that my debit card withdrawal limits be raised so that I could access the funds for the RV. 

Instead of assisting, the bank repeatedly placed fraud alerts on my transactions. Each time, I called to explain and ask for help raising my limits. Despite my repeated efforts to work with them, my attempts to withdraw funds were continuously declined until it was too late to complete the RV purchase on Friday. 

On Saturday morning, I discovered that my account had been frozen entirely, with no notice and no access to my own money. Since then, no matter how many times I call Capital One, I can not reach a human representative who will explain why the account was frozen or what steps I must take to restore access. 

As of today, I have approximately {$15000.00} in the account that I can not access, while I am homeless, XXXX, and facing immediate loss of housing because I can not pay for motels or secure the RV I placed a deposit on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I filed with credit bureaus with all supporting documents with no resolve ive spoken with Alloy bank and emailed ally bank 4 separate times with supporting documents i have ALL copies of everything I sent and the response I've received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
All transactions took place on XX/XX/scrub>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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-09-01 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: TX

Complaint narrative:
MOHELAs online payment system is malfunctioning. Although I continue to make payments on time, their system misallocates funds to a loan that is already paid off and now shows a negative balance. This prevents payments from being applied to the loan with the actual outstanding balance. As a result, the outstanding balance remains artificially inflated, causing me to pay more interest than I should owe. 



What happened ( include timeline & facts ) : XX/XX/scrub>/2025 : Secure message response from MOHELA : A request has been submitted on your behalf to reapply the credit balance from loan sequence XXXX to loan sequence XXXX. No ticket number or timeline was provided. 
XX/XX/scrub>/2025 : Duplicate secure message with nearly identical language. Still no ticket number or timeline. 
XX/XX/scrub>/2025 : I sent an urgent secure message noting the transfer had not been processed, the system blocked me from directing payments to the correct loan, and phone support had a 3 hour 25 minute wait. No substantive response. 
XX/XX/year>2025 at XXXX XXXX  : I spoke with a manager who confirmed I had already followed all recommended steps. Those steps do not fix the malfunction. The manager referenced a possible 36 month delay but could not confirm that a technical support ticket was ever created. 
Since XX/XX/XXXX, I have received no further responses, despite repeated outreach.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-01 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: Credit Control, LLC
State: MI

Complaint narrative:
I was trying to rent an apartment and I realized that I had damages to my credit report According to the 15 USC 1681 law, there should not be any damages to my credit report. Its a defamation to my character. In addition, my information was involved in the equifax data breach.

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 2025-09-01 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:
1 ) A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addenda and riders.

2 ) In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3 ) Also include a full accounting history from the original creditor, including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 ) If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5 ) Proof that you are legally allowed to collect on alleged debts in the state of Texas, including your Third-Party Debt Collection Bond.

6 ) Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letters that systems make it clear that debt parking without proper notices is a violation of consumers ' rights.

7 ) In accordance with civil liability it is a fact, title 15 of the United States Codes subsection 1692k ( a ) ( 2 ) ( A ) states an individual action is a violation worth 1000 dollars for proceeding, however, understand title 15 of the United States Codes subsection 1692k ( a ) ( 1 ), these violations caused actual damages to me : 8 ) 18 U.S. Code 8 All debts are obligations of the U.S. and its corporations 18 U.S. Code 241 Conspiracy against rights 18 U.S. Code 242 Color of law, deprivation of rights 18 U.S. Code 894 Collection of extension of credit by extortionate means 18 U.S. Code 1028 Fraudulent use of identification documents 18 U.S. Code 1028A - Aggravated Identity Theft 18 U.S. Code 894 Harming the reputation of a consumer by extortionate means 75

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 2025-09-01 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: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/year> I have an unauthorized charge of XXXX, that Goodman sachs recently declined the dispute, stating the good/services have been rendered trying to hold me liable for an unauthorized charge, although I provided a police report of the unauthorized transaction. They let me resubmit the dispute and confirmed with me that the police report was uploaded this time multiple times. Hopefully, the dispute is rectified this subsequent time.

Company response to consumer: Closed with explanation