vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was attempting to buy a car when I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my credit report.

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 2025-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported a claim on XXXX to Bank of America, a transaction I had never do it, which Posted in XXXX, amount {$7500.00}, BALANCE TRANSFER XXXX XXXX. 
my claim number in Bank of America ( BOA ) is XXXX. 

BOA rejected my claim, their answer is " the charges was made using XXXX of your verified devices, like a cell phone or tablet. '' I never had any business with XXXX XXXX, and no account in XXXX XXXX. in fact my BOA credit card was not stolen or used after this XXXX, and was put into my house. 

I did not have the above transaction.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  TN XXXXTransUnionXXXX XXXX XXXX PA XXXX XXXX XXXXTo Whom it May Concern,\n\nThis letter serves as a formal dispute of the negative accounts currently reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C 41681 et seq.) I am requesting that you immediately investigate and verify the accuracy and validity of all negative information listed on my credit report.\n\nIf the accounts in question cant be fully verified, validated and documented with proper evidence as required by the FCRA, they must be deleted promptly. Continued reporting of unverifiable or inaccurate accounts is a direct violation of federal law.\n\nFurthermore, under UCC provision regarding fair dealings and consumer protections, any attempt to collect or report information that cant be substantiated may be considered unlawful.\n\nTherefore, I demand deletion of any negative accounts that fail to meet the legal standard of complete and verifiable accuracy.\n\nPlease provide me with written confirmation of the results of your investigation within 30 days, as required under the FCRA.\n\nSincerely,XXXX 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 explanation
Consumer complaint received 2025-09-30 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: NC

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 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
Unfamiliar transaction made on account contacted XXXX they said contact bank contacted bank and automatically denied my unauthorized transaction Bank name is Current

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AZ

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 2025-09-30 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:
PLEASE BLOCK AND REMOVE. 
This account is not legitimate and must be eliminated from my file at once. I never approved it. Documentation is attached.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-30 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 accordance with the fair credit reporting ACT ACCOUNT RXXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting ACT ACCOUNT RXXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells fargo sent me a letter dated XX/XX/XXXX which means I got it XXXX XXXXI have it and it states they have not purchased insurance yet but will 30 day 's after I receive the petter.So it was not purchased in June.They are lying and stealing money from me.What started this all was last year I called and said I wanted to pay my taxes out pocket.Wells Fargo cancelled the whole escrow.They did this.I had no idea I was unisured for XXXX month's.So I decided fine I will pay my Insurance and taxes out of pocket.I informed Wells Fargo of this.I bought insurance on XX/XX/XXXX through Progressive Homesite.I sent the paid in full, declaration page and all document 's through the website and email they provided.On XX/XX/XXXX the made a payment to XXXX XXXX XXXXThere is no way to contact them .Is it even a real company? Say's.gov? So I paid for my Insurance out of pocket before they did but even the letter Wells Fargo sent say 's once I provide proof which I did they would cancel the escrow.They have not. I don't want escrow. The letter 's I got aroung XX/XX/XXXX say 's they have not purchased any Insurance yet and I have XXXX day 's BUT they are trying to charge me for XXXX and XXXXWhere is the proof.The receipt.I have proof it was paid on 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 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: NC

Complaint narrative:
I am writing to formally dispute the reinsertion of a late payment notation on my credit report, effective XX/XX/XXXX. This information, related to my XXXX secured credit card account XXXX XXXX XXXX XXXX XXXX, was previously disputed as fraudulent/inaccurate and subsequently removed from my file. Its reappearance without proper verification violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ). 
Details of the Violation XX/XX/XXXX '' ], this late payment ( originally noted as " 30 Days Late '' for XX/XX/XXXX ) was deleted following my dispute, as it could not be verified as accurate. Recent updates even corrected it to " Current '' status, improving my Payment History factor from Good to Excellent and boosting my score by XXXX points ( from XXXX to XXXX ). 
Reinsertion Details : As of today, XX/XX/XXXX, the late payment has been reinserted, reverting the status and negatively impacting my report. No prior notification of this change was provided. 
FCRA Violations : Prohibition on Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : A CRA may not reinsert deleted information unless the furnisher certifies in writing that it is complete and accurate. I have received no such certification from the furnisher ( XXXX or equivalent ). 
Notification Requirement : Even if certified, you must notify me in writing ( or via authorized means ) within XXXX business days of reinsertion. No notice has been sent, as this occurred today. 
Accuracy and Investigation Duty ( 15 U.S.C. 1681i ( a ) ) : CRAs must conduct a reasonable investigation before reporting disputed information. This reinsertion skips that process for previously challenged data. 
This unauthorized reinsertion has caused immediate harm, including potential score drops and barriers to credit opportunities. Enclosed are supporting documents : my XX/XX/XXXX TransUnion report ( showing the positive correction ), proof of prior dispute/removal [ attach if available ], and ID verification. 
Request for Immediate Action Pursuant to FCRA Section 611 ( d ), I demand the following within XXXX business days of receipt : Immediate Deletion : Permanent removal of the reinserted late payment from all three bureaus ( TransUnion, XXXX XXXX ) and block its re-reporting. 
Documentation : Copies of any certification from the furnisher verifying accuracy, plus internal records of the reinsertion process and investigation ( or lack thereof ). 
Notification : Written confirmation of compliance, including updated reports from all bureaus showing the deletion and any score impact.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I believe the only call I received was in XXXX, and I clearly requested proof of the bill, which the lady said would be mailed. However, I never received any documents. Recently, I discovered that Harris & Harris violated FDCPA rules and damaged my credit rating without providing proper documentation. 

Under the FDCPA, a third-party debt collector is required to send a written validation notice within XXXX days of their first contact. 

Harris & Harris violated my rights to : - Debt Validation - Proof of Debt - Cease Collection When Harris & Harris wrongfully harms consumers, they should not go unpunished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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 an 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 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 2025-09-30 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: NJ

Complaint narrative:
I am on Public Service Loan Forgiveness ( PSLF ). I was incorrectly advised by a Mohela rep that payments manually made while my loan was in forbearance for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) would count toward PSLF. Once I subsequently certified my employment and saw that those XXXX payments did not count, I was advised by another Mohela rep that I was given wrong information and that they would not count and I could request a refund of the XXXX payments ( total of {$1200.00} ). I requested the refund on XX/XX/XXXX and despite multiple calls since ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and it being escalated on XX/XX/XXXX and again on XX/XX/XXXX, the refunds have not been processed. The supervisor at Mohela told me today, XX/XX/XXXX, that all she can do is send another email to accounting and submit a complaint internally about the processing delay. I've been waiting over XXXX months for a refund to be processed and there is no action on the part of Mohela despite multiple escalations.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request under FDCPA 809 MCM Account Number : XXXX Original Creditor : XXXX XXXX XXXX 

To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this debt.

Until you provide proper validation, you must cease all collection activities, including phone calls, letters, and reporting to any credit bureau. 

Specifically, I request the following : XXXX. Proof of the debt a copy of the original signed agreement or contract with XXXX XXXX, showing that I am legally obligated. 
XXXX. Itemized accounting of the alleged balance ( {$10000.00} ), including principal, interest, and fees. 
XXXX. Proof of ownership documentation showing legal transfer or assignment of this debt from the original creditor ( XXXX XXXX ) to Midland Credit Management , Inc . 
XXXX. Verification of statute of limitations on this alleged debt in my state. XXXX The name, address, and license number of any attorney you claim may be involved in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Company : Capital One Product : Credit Card ( Venture X Card ) Application ID XXXX XXXX  Nature of Complaint : Identity Verification Issues Following Pre-Approval and Documentation Submission I recently applied for the XXXX XXXX XXXX after receiving a pre-approval offer. Upon application, Capital One requested my driver 's license for identity verification. I promptly submitted clear photos of both the front and back of my official driver 's license. 

Despite providing the requested documentation, my application was denied with the reason : " applicant 's identity can not be verified for Capital One '' ( XXXX ID : XXXX ). 

Capital One is requiring me to submit a new application to resolve this issue, which I believe is unfair and burdensome. Reapplying would likely result in an additional hard inquiry on my credit report, which I want to avoid since the original denial appears to be an issue with processing the identity documents I already provided, not an issue with my creditworthiness.

Company response to consumer: Closed with explanation