vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: PA

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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
There was no card in the mail. XXXX failed, and deposits are in closed account with no card given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
In XX/XX/year>, Equifax reported my XXXX  account as Pays As Agreed with no past-due balance. In XX/XX/year>, Equifax reported the same account as XXXX  Days Late with a {$1000.00} past-due balance. These contradictory reinvestigation results confirm that the credit reporting is unreliable and inaccurate. 

XXXX is not a party to my original agreement with XXXX. I never executed any contract with XXXX, nor have they produced proof of assignment establishing their standing to service or collect this debt. The original XXXX agreement expressly governs the event of a servicing transfer : my XXXX was to be fixed at the last applied rate and repayment amortized in equal monthly installments over XXXX years. XXXX has violated every aspect of that clause by altering the interest rate, compounding interest, misapplying payments, and inflating the balance. 

Although I made good-faith paymentsincluding a payment on XX/XX/XXXX, XXXX did so solely to mitigate potential negative reporting while disputing the validity of the account. Thereafter XXXX blocked further payments, despite my written notices of XX/XX/XXXX and XX/XX/year>. This conduct both prevented me from curing and manufactured a false delinquency. 

Despite repeated written demands beginning in XX/XX/year>, XXXX has refused to provide the original contract, proof of assignment, or a complete payment history. Their continued reporting without validation violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. Their obstruction of payments and misapplication of terms further constitute deceptive and unfair practices under XXXX XXXX XXXXXXXX XXXX XXXX. 

I request deletion of the disputed tradeline unless and until proper validation is produced. At minimum, I demand correction of the balance and status to conform with the original XXXX contract, restoration of payment access, and regulatory enforcement to address XXXX contradictory reinvestigations and XXXX unlawful conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

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 Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} 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, 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 2025-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
Subject : Complaint Regarding Incomplete Loan Disbursement, Unfair Interest Charges, and Transcript Withholding XXXX/MOHELA To the Consumer Financial Protection Bureau , I am filing this complaint regarding a student loan I obtained through Meritize, serviced by MOHELA, due to several unresolved issues that have negatively impacted my financial and professional life. 
On XX/XX/XXXX, I signed a loan agreement with XXXX/MOHELA for a total amount of {$23000.00} to cover educational expenses. I completed my academic program a few months ago. However, my school is currently withholding my official transcripts and is refusing to forward them to the XXXX XXXX XXXX XXXXXXXX, preventing me from registering for my board examination. 
The school has informed me that XXXX only disbursed {$14000.00} of the total approved loan, and the remaining balance has not been paid. Despite this, I have been charged interest on the full {$23000.00} for the past two years. I believe this is an unfair and deceptive practice, as I am being held responsible for funds that were never actually disbursed. 
I have made multiple efforts to obtain clarification and resolution : I formally requested a complete disbursement history from XXXX, including dates and amounts paid. They refused to provide this information. 
I spoke with a XXXX customer service representative named XXXX on XX/XX/XXXX, and again on XX/XX/XXXX, but no solution or explanation was offered. 
On XX/XX/XXXX, I spoke with XXXX, who identified herself as a XXXX XXXX but refused to provide her last name or employee ID. The interaction was unprofessional and again yielded no resolution. 
I also contacted MOHELA and spoke with a supervisor ( Employee ID : XXXX ). She was only able to provide the original loan agreement and informed me that the issue must be handled directly with XXXX. 
To date, I have received no clear answers, no resolution, and no accountability from either XXXX or MOHELA. This ongoing issue has caused significant financial harm and career delays, as I am unable to take my licensing exam due to the transcript hold. 
I respectfully request the CFPB to investigate the following : 1. Why the full loan amount ( {$23000.00} ) was not disbursed as agreed.

2. Why I am being charged interest on the full amount despite only part of it being paid to the school. 
3. Why XXXX refuses to provide a disbursement history. 
4. What steps can be taken to resolve this issue and hold the appropriate parties accountable. 
Thank you for your time and assistance in this matter. I am attaching any relevant documents I have, including the loan agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have called the chase and XXXX  XXXX XXXX bank all over in XXXX and no can answer phone. I need to exchange foreign currency to us currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

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

1681c2 ) that you, the Equifax 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 Date : XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
This is for chase bank checking account. 

I closed an account with chase. No one told me how Id receive my funds. I called after a week because my account was never closed .. they told me they were mailing a check. I waited 2 more weeks, and the check never arrived so I called back. They said if it wasnt here by X date, to call back. So I called the day after that prescribed date. They said oh, it will be there by the next business day, at the latest .. no problem! Still didnt arrive. Called back to tell them, and they said they would escalate it and I would receive a call back within 5 days. 6 days later, I received a call, but I was in a work appointment. I asked the person calling if they could call me back in 15 minutes, and they said sure Ill call back in 15 minutes. Of course, he never calls back. So the next day, I called back to tell them again. They said I would receive a call in 12 hours .. now today, over 24 hours later, I called back again. Im told I would receive a call back in 2-3 days. I explained that no one is calling me as they say they will, and requested to speak with someone other than the customer service rep .. she finally says sure, Ill transfer you. She transfers me right back to another helpless customer service rep. I explain all over again all of this. She then says I will receive a call back in one day, which is a completely different answer than the person before gave me. I said no, please transfer me to someone that can actually help me. She refused, and just said if you dont have any other questions have a great day, and hung up on me.

I have spent a total of 10-15 hours now just trying to get the money from my closed account. And I have made 0 progress whatsoever. The last person I spoke with actually slipped up and said that they NEVER mailed the check out to me. So now I know they were lying the first 3-4 times I called. I need something in return for the stress and time they have taken from me. As well, as I still need my money. I already know I will not receive a call as they had stated because this is the 5th time through this. I had no where else to go but file complaints through here and the XXXX. I was told that chase branches could not help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I am filing this follow-up complaint because Resurgent Capital Services and LVNV Funding, LLC have failed to provide lawful validation of the alleged debt referenced in Case # XXXX. Their XX/XX/XXXX response does not cure their violations and, in fact, raises further concerns under the FDCPA and FCRA. 
Improper Validation : The documents provided consist of a generic XXXX XXXX Customer Agreement and a self-generated account summary prepared by Resurgent. Neither of these proves that I personally entered into a contract, that LVNV has legal standing, or that the alleged balance is correct. Courts have repeatedly held that self-created summaries do not satisfy 1692g ( b ) FDCPA requirements.

Resurgent refused to provide proof of assignment or the purchase agreement, which is essential to establish that LVNV Funding has legal ownership and standing to collect.

Admission of Improper Reporting : Resurgent admitted the account was being reported to credit bureaus but simultaneously stated they will now request deletion. This is a tacit admission that the tradeline was reported without lawful validation in violation of both FDCPA 1692e, 1692f and FCRA 623 ( a ).

Statute of Limitations Concerns : Resurgent asserts the debt is within the statute of limitations without proof. Under New Hampshire law, the statute of limitations for revolving credit is three years ( RSA 508:4 ). The alleged last payment date in their own documents is XX/XX/XXXX, meaning the XXXX expires in XX/XX/XXXX. Any collection activity or reporting beyond this date would constitute an additional violation.

Continuing Harm : By refusing to provide full validation and by continuing collection activity, Resurgent and LVNV Funding remain in violation of 15 U.S.C. 1692g ( b ), 1692e, 1692f, and 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

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

1681c2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MOHELA
State: NY

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from MOHELA, which has caused my credit score to drop by over 100 points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus.

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA viola
tion. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions.

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported.

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur.

3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late. 

Thank you for your immediate attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-28 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief