vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am disputing inaccurate and incomplete information being reported by Equifax. These items have either not been properly verified or are being reported inconsistently, causing harm to my credit profile. This reporting does not comply with the FCRA, and I am requesting immediate correction. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unverified information being furnished by XXXX XXXX XXXX on my Experian, Equifax and TransUnion credit report. The evidence is uncontroverted that XXXX has been paid in full for the subject alleged loan via the securitization process. Under settled law both the Uniform Commercial Code and long-standing principles of accord and satisfaction that payment extinguished the debt and XXXX XXXX XXXX XXXX XXXX The continued maintenance of inaccurate credit reporting and collection efforts by XXXX are not supported by any lawful right and are causing ongoing harm to XXXX XXXX. There is no genuine issue of material fact that the debt is satisfied. I file a federal court case for security fraud. SEC Rule 10b-5 / GAAP violations Accounting Fraud, misrepresentation in securitized financial statements. Those claims support restitution or rescission.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unverified information being furnished by XXXX XXXX XXXX on my Experian, Equifax and TransUnion credit report. The evidence is uncontroverted that XXXX has been paid in full for the subject alleged loan via the securitization process. Under settled law both the Uniform Commercial Code and long-standing principles of accord and satisfaction that payment extinguished the debt and XXXX XXXX XXXX XXXX XXXX The continued maintenance of inaccurate credit reporting and collection efforts by XXXX are not supported by any lawful right and are causing ongoing harm to XXXX XXXX. There is no genuine issue of material fact that the debt is satisfied. I file a federal court case for security fraud. SEC Rule 10b-5 / GAAP violations Accounting Fraud, misrepresentation in securitized financial statements. Those claims support restitution or rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
I got private student loans. I assumed the loans were low interest loans. The loans were for about XXXX. I began paying these loans over XXXX years ago. After XXXX years, I owe 140 % of what was borrowed. The company broke the loans up into XXXX separate loans. The loans were for XXXX degree, not separate degrees. By breaking the loans up, every time I am late I get XXXX hits to my credit. The company harasses me on a regular basis, calling me at early times during the day ( before XXXX am ) During weekends. They contact family members and seek info about me. When I do pay them, the payments never bring the loan down. The fees they add to the end of the loan just keep increasing my debt. These are set at XXXX year loans. How in the world would a XXXX year loan on XXXX create payments and fees the would exceed 140 % of what I originally owe after over XXXX years of payments? If that is not predatory, I don't know what is. Every time they I am late or delinquent, they hit my credit XXXX times, which results in my credit being hit hard. The have single handedly brought my credit score to new lows for over XXXX years. I just do not think this is fair. I called then a couple times about payoffs and they have never offered me a reduction of the 140 % of what I borrowed. A loan that I have paid about what I originally owed in fees and reduced payments, only to owe 140 % of what I borrowed some XXXX years later. Disgusting and emotionally overwhelming. My wife who died of XXXX at XXXX, was the co-signer. I explained my hardship to them but they did not care. They still demanded payments. Even taking money out of my bank account when I did not authorize it. This put me into economic chaos. I had to change my bank account because they kept taking money without my authorization. This leader is like a plague.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
My vehicle loan account is being reported with objectively inaccurate information : XX/XX/year> : Balance {$33000.00}, Actual Payment {$400.00}, Past Due {$33000.00} XX/XX/year> : Actual Payment {$400.00}, Past Due {$33000.00} It is impossible to make a payment while the entire balance remains past due. I disputed this with Equifax and the creditor, but the reporting remains inaccurate. This violates the Fair Credit Reporting Act ( FCRA ), Sections 609 and 611, which require accurate reporting and proper reinvestigation of disputed information. 

I request that Equifax and the creditor : Delete or fully correct this account so all balances, past-due amounts, and payment history are accurate. 

Send confirmation of the correction or deletion to all companies that received my credit report in the past two years for employment purposes and six months for other purposes. 

Provide a full description of the procedures used to verify or update this information, including the contact information of the furnisher. 

This is based on clear, objectively false reporting, not opinion, and must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXXP Date : XX/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 2025-12-28 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: WI

Complaint narrative:
My identity have been stolen in a data breach and these credit bureaus have been reporting inaccurate information.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a service failure related to a hotel reservation booked through Chase XXXX, which resulted in an unfair financial loss. 

I am a Chase Sapphire Reserve cardmember. Several days ago, I attempted to cancel a hotel reservation ( Trip ID XXXX ) within the applicable cancellation window. According to the hotels policy, if the cancellation had been processed on Monday, only XXXX nights charge would have applied. 

Between Monday and Wednesday ( XXXX ), I contacted Chase XXXX by phone a total of XXXX times to request cancellation assistance. During each call, I was informed that the request required further review and that I should wait. No callback was ever provided, and no action was taken on my request despite my repeated and timely follow-ups. 

As a direct result of this delay, the cancellation window was missed, and I was subsequently charged XXXX nights instead of XXXX. This additional charge occurred solely because Chase XXXX failed to process or escalate a time-sensitive request in a timely manner, not due to any inaction on my part. 

I also attempted to seek assistance through Chases Secure Message system and was advised that they could not handle the matter and that I should contact Chase XXXX, despite the fact that Chase XXXX had already declined to provide any remedy by phone. As a result, I have been left without an effective resolution path. 

I believe this outcome is unfair. I acted promptly and in good faith within the permitted cancellation timeframe, and the financial loss I incurred was caused entirely by service failure and delay on the part of Chase XXXX, a service offered in connection with my Chase credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MI

Complaint narrative:
I am disputing inaccurate and questionable information on my TransUnion credit report. The charged-off accounts listed below show inconsistent reporting dates compared to other bureaus, and several inquiries appear without my authorization. I am requesting that TransUnion perform a full reinvestigation and remove any items that can not be verified as accurate, complete, and compliant with the FCRA. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau XXXX, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
So I had a credit card master card with bank of America and I was still making payments and yes some was late but never past XXXX days pass do they failed to inform me that they decided to close my account with out informing me of such action its unfair also the customer service representative just admit it That they didn't send me any notification. Or any letters of such which I stated how can you do that to me and am still paying she said oh well so I need help with this.

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2025, a XXXX transaction was treated as a cash advance and about {$57.00} in interest was charged and paid. 

In XX/XX/2025, about {$66.00} in cash advance interest was charged again for the same transaction with no new activity. 

I contacted the company, requested an explanation and a transaction-level breakdown, and was refused a billing error claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, incomplete, and unverified accounts and inquiries that Equifax is reporting on my consumer credit file. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these items continue to appear with inconsistent balances, dates, and reporting details that do not accurately reflect my true credit history. Equifax has a duty to ensure maximum possible accuracy, which has not been met. 

Charged-Off / Collection Accounts in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-28 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 submitting this complaint regarding inaccurate and unverified information being reported on my Experian credit file. 

Inquiries in Dispute On XX/XX/year>, the following inquiries were placed on my Experian report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize, initiate, or provide permissible purpose for these inquiries. I did not submit applications or give written or verbal consent for my credit to be accessed by these companies. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries must be supported by a valid permissible purpose. Experian has a duty to ensure that all information reported is accurate and verifiable. Since these inquiries can not be properly validated, they must be removed immediately.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX  billed me for a wireless line that was never activated or used. The collection agency stated I was auto-enrolled, but XXXX XXXX XXXX has never provided proof of activation, usage, or authorization. I paid under pressure to protect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: NY

Complaint narrative:
The debt is passed the statue of limitations and needs to be removed from my credit report XXXX, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX XXXX. 
XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MD

Complaint narrative:
I am a documented victim of identity theft and filed an FTC Identity Theft Report regarding fraudulent charge-off accounts appearing on my credit reports. 

Despite receiving notice of identity theft, Experian, Equifax, and TransUnion failed to comply with FCRA 605B by not blocking the fraudulent accounts within XXXX business days. Instead, they continued to report and verify the accounts without providing lawful documentation or evidence of a reasonable investigation. 

Additionally, XXXX XXXX and XXXX XXXX XXXX XXXX Bank continued furnishing information related to these fraudulent accounts after notice of identity theft, in violation of FCRA 623 ( a ) ( 6 ) ( B ). 

The accounts were repeatedly re-verified, balances were updated, and charge-off statuses remained even after identity theft was established. XXXX or XXXX verification is legally insufficient in this context. 

These actions constitute willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | XXXX : {$0.00} XXXX XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | Balance : {$1700.00} XXXX XXXX XXXX Account No. XXXX | Opened : XX/XX/XXXX | Balance : {$760.00} XXXX XXXX XXXX Account No. XXXX | Opened : XX/XX/XXXX | XXXX : {$1500.00} XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | Balance : {$1100.00} I dispute the reporting of these accounts and request proper validation and documentation. 

Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request proof of permissible purpose. 

Late Payments XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account No. 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 2025-12-28 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: CA

Complaint narrative:
I am filing this complaint to dispute inaccurate and misleading information on my TransUnion credit report. TransUnion is required under the Fair Credit Reporting Act to ensure the accuracy and completeness of all reported data. 

CHARGED-OFF ACCOUNTS IN DISPUTE XXXX XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$15000.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$8200.00} XXXX  Acct # XXXX | Opened XX/XX/XXXX | Balance {$750.00} XXXX XXXX XXXX Acct XXXX XXXX | Opened XX/XX/XXXX | Balance {$700.00} LATE PAYMENTS IN DISPUTE XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX  XXXX Acct 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 non-monetary relief