vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account currently listed on my credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item and respond within 30 days. I have no knowledge of this account. I did not authorize this account. please remove from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

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 2025-10-16 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a 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 7 years.

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

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which
the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-16 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:
Subject : Formal Complaint Regarding Unlawful Reinsertion of Deleted Accounts by Dear CFPB Representative, I am writing to formally file a complaint against XXXXfor repeatedly re-inserting previously deleted accounts on my credit report without proper notice or documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

Over the past several months, I have noticed that accounts that were successfully deleted after investigation have been reinserted into my credit report without any written notification or explanation. The FCRA clearly requires credit reporting agencies to notify the consumer in writing within five ( 5 ) business days of any reinsertion, along with the source of the information that led to the reinsertion. 

I have personally called XXXX to request clarification about these reinsertions, but I did not receive any clear explanation. The representatives refused to assist me further or provide any documentation showing the reason or authorization for the reinsertion. 
This repeated and unauthorized reinsertion of accounts is causing significant harm to my credit score, limiting my ability to secure credit, and damaging my financial standing.

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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
Request for Full Discharge of Student Loans Due to MOHELA Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by MOHELA due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
MOHELA misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, MOHELA has a history of misreporting my payment status to credit agencies, severely damaging my credit score. 
The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which MOHELA has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). MOHELA conduct has caused me significant financial harm, mental distress, and a longer burden that could have been avoided with honest and fair guidance. As a borrower who relied on MOHELA advice and entrusted them to manage my student loans be fully forgiven. 

Full Discharge of All Loans Held by \MOHELA : Due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by MOHELA be fully discharged. This will relieve the overwhelming financial burden that I have carried due to their actions. 
Refund of Excess Payments : Any payments made during periods of forbearance or deferment encouraged byMOHELA that lead to capitalized interest and inflated balances should be refunded. This would compensate for the financial damage caused by their misrepresentation.

Credit Repair : MOHELA misreporting of my payment status has significantly damaged my credit score. As part of the resolution, I request that all adverse reports related to my student loans be removed or corrected to reflect the discharge and MOHELA misconduct. 
Proactive Financial Assistance : Due to the financial harm caused by MOHELA actions, I believe that offering credit counseling or financial assistance in rebuilding my financial standing would be a fair step toward restoring my fiscal health. MOHELA actions have left me and many others with unjust debt, and I hope the CFPB can help deliver a resolution that corrects these wrongs.

Company response to consumer: In progress
Consumer complaint received 2025-10-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
Subject : Formal Complaint Regarding Unlawful Reinsertion of Deleted Accounts by Dear CFPB Representative, I am writing to formally file a complaint against XXXXfor repeatedly re-inserting previously deleted accounts on my credit report without proper notice or documentation, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

Over the past several months, I have noticed that accounts that were successfully deleted after investigation have been reinserted into my credit report without any written notification or explanation. The FCRA clearly requires credit reporting agencies to notify the consumer in writing within five ( 5 ) business days of any reinsertion, along with the source of the information that led to the reinsertion. 

I have personally called XXXX  to request clarification about these reinsertions, but I did not receive any clear explanation. The representatives refused to assist me further or provide any documentation showing the reason or authorization for the reinsertion. 
This repeated and unauthorized reinsertion of accounts is causing significant harm to my credit score, limiting my ability to secure credit, and damaging my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Truist customer service three separate times requesting a Historical Account Lookup. I opened an account with Suntrust in XXXX. Since Suntrust has been acquired by Truist, I have been dealing with them but they told me they only have records going back 7 years. That is fine because the Suntrust account was still open 7 years ago and yet they are telling me they have no records or statements to provide. I know there is money in that account, money that needs to be used to pay back student loans and Truist is telling me they have absolutely no record of the account. I asked if they turned over the account to the State of XXXX  and they gave me an answer along the lines of probably. When I asked the State of XXXX  to look in to it, they require the date it was turned over to the state by the bank. When I asked Truist, they were not able to give me any answer whatsoever. I was also told that I may get more information by going in to a physical bank but I live in XXXX and there is no physical Truist bank in the state of XXXX. I need the last statements from Truist on behalf of Suntrust regarding how much was in the account and I need a date for when it was turned over to the state. Thank you.

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 2025-10-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Multiple accounts are being reported in my name without my authorization or knowledge. I did not open, authorize, or manage any of these accounts, and their presence on my credit report is inaccurate and misleading. This false reporting has damaged my credit, caused significant stress, and undermined my financial stability. I require an immediate explanation for why these accounts are being reported, which furnishers provided the information, and what documentation, if any, supports their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-17 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: TX

Complaint narrative:
Issue Summary : XXXX XXXX XXXX is reporting inaccurate and outdated derogatory information on my credit reports with Experian, Equifax, and TransUnion. The account in question was charged off and closed in XXXX, but it continues to appear as active, past due, and even incurs recent reporting activity through XXXX. This violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : I am submitting this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and misleading reporting of a closed, charged-off auto loan account on my credit reports from Equifax, Experian, and TransUnion. 

Experian : Reports the account as charged off since XX/XX/XXXX, yet continues to show an active past due balance of {$15000.00} as of XX/XX/XXXX. This is inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to provide accurate information and update any inaccuracies.

TransUnion : Reports the same account as closed but still showing open installment terms and inconsistent update dates, violating FCRA 605 ( a ) regarding the reporting of obsolete and misleading information. 

Equifax : Shows continued soft inquiries from XXXX XXXX XXXX in XX/XX/XXXX even though the account was closed in XX/XX/XXXX, violating FCRA 604 ( a ) ( 3 ), which prohibits access to a consumer file without permissible purpose. 

These discrepancies indicate re-aging and ongoing furnishing of inaccurate data after the account was charged off, materially damaging my creditworthiness and violating the FCRAs accuracy and reinvestigation provisions under 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ).

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I asked the company for the reason why they had not sent me the money, they told me that for lack of verification, and when I did it they hung up the call without an answer. 


On Thursday, XX/XX/year> I called 3 times each call per case 40 minutes, requesting the money that was in my checking account and they said that it was withheld for lack of verification, I authorized them to perform the verification that was necessary and even so, they take an hour in each call for some verification and then they hang up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I challenge the accuracy of items linked to accounts established without my consent. Please investigate comprehensively and expunge them. Enclosures are included.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
My recent interactions with XXXX XXXX XXXX  concerning an alleged debt {$4500.00} Today, I received a letter from XXXX XXXX XXXX  stating the correct balance I owe, which is {$2400.00}. The letter also clearly stated that if I needed alternative arrangements or wished to make a payment or propose an offer, I could contact their office and that they would be happy to work with me. 

However, when I previously contacted their office via email, I was told that they would only settle for {$3900.00} and that I owe more on the balance. During that communication, your representative was unwilling to discuss alternative arrangements or accept a reasonable settlement. 

Following this, I called the agency ( XXXX XXXX XXXX  ) and spoke with XXXX XXXX. I explained my situation and referenced the letter I received, which I had also attached to my previous email. XXXX XXXX was extremely rude, refused to consider my settlement offer, and abruptly ended the call after only entering a dispute. 

This behavior is unacceptable. Their firm is attempting to collect an amount greater than what is actually owed, which could constitute misrepresentation or fraudulent activity. I am requesting that this matter be corrected immediately, that communications be conducted professionally and respectfully, and that any future attempts to collect the incorrect balance cease. 

I have documentation of all emails, the letter, and my phone conversation. I request written confirmation of the correct balance and acknowledgment of my settlement proposal along with information that includes The written offer should clearly include the following : 1. The current total balance owed.

2. The agreed settlement amount 3. A statement confirming that payment of the agreed settlement amount will satisfy the debt in full and that no remaining balance will be pursued, sold, or transferred.

4. Confirmation that the account will be reported to all credit bureaus as paid in full or settled in full.

5. The date by which payment must be received to satisfy the terms.

Company response to consumer: Closed with explanation