vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Validation & Removal To Whom It May Concern, I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692g. Please provide : 1. Full accounting and origin of the debt 2. Proof of my liability 3. Name and address of the original creditor 4. Verification that you are licensed to collect in my state In accordance with the CFPBs policy changes on medical debt reporting, this account may no longer be reportable. Until verification is provided, please remove this item from my credit report under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported without proper validation. I never received a validation notice under FDCPA 809, and XXXX has not responded to my written requests. The reported balances are inflated ( e.g. {$56000.00} for a {$47000.00} original balance ) with no itemized proof. 

Sincerely, 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 2025-05-19 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: Universal Payment Corporation
State: CA

Complaint narrative:
I am filing this formal complaint against UNIVERSAL PAYMENT CORP for the inaccurate and incorrect reporting of the following tradelines : UNIVERSAL PAYMENT CORP Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7500.00} ; UNIVERSAL PAYMENT CORP Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX.These accounts are being reported inaccurately for the following reasons : Balance Inaccuracy : The reported balance is not verifiable, and I have received no recent disbursements or communications validating this amount. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and complete information. Lack of Permissible Purpose : I have not authorized or consented to the reporting of this account under FCRA 604 ( a ), and this tradeline appears without my direct engagement or benefit. XXXX XXXX Non Compliance : The date formatting and status codes for this tradeline do not align with XXXX XXXX guidelines and appear to be improperly formatted, further impairing automated dispute resolution and scoring. I have submitted disputes to UNIVERSAL PAYMENT CORP, but no reasonable investigation was conducted as required under FCRA 1681i ( a ). The failure to correct or remove this information constitutes willful noncompliance with the Fair Credit Reporting Act, entitling me to relief under FCRA 616 and 617. Violations Summary : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation ; FCRA 623 ( a ) : Furnishing inaccurate or unverifiable information ; FCRA 604 ( a ) : No permissible purpose to furnish or maintain incorrect data ; Metro 2 Reporting Standards : Inconsistent and nonstandard coding ; Possible Duplicate Reporting inflating debt and damaging credit profile ; No verification of consumer responsibility or legal obligation.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I have been on a PAYE IDR plan with PSLF eligibility for the last 8 years. Currently, it is serviced by MOHELA.

I was placed on a mandatory " SAVE administrative forbearance '' for this plan that does not count toward my PSLF that I do not want. I am not even on SAVE.

I was told by MOHELA this is because they are not allowed to process my income verification application for PAYE that I submitted in XX/XX/XXXX ( the due date for this was XX/XX/XXXX ). MOHELA says FSA is not allowing them to process this income verification application that was submitted on time. What they are supposed to do in this case is give me an extension for income verification to XXXX ( like other borrowers got ) and continue with my prior monthly payment amount in the meanwhile that would count for PSLF.

I then called FSA who say this is completely inappropriate for me to be placed on a " SAVE administrative forbearance '' when I am not even on SAVE-I am on PAYE. Case number with FSA is XXXX. They agreed that I should able to continue making PAYE payments based on my prior income verification amount that should count towards PSLF.

In summary, MOHELA was unable to process my on time income verification for PAYE so they inappropriately placed me on SAVE forbearance. What they were supposed to do is extend my income verification deadline to XXXX and allow me to continue making payments on PAYE that count towards PSLF. They are now not recitfying this mistake and in the meanwhile I am not being allowed ot make payments that count towards PSLF ( and may even be accruing interest since Im not on SAVE! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-19 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: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was terminated by my employer XXXX on the XXXX XXXX XXXX They asked me to pickup my last checks. I picked you XXXX checks written in the name of my bank BMO. In which they see direct deposit always from that company when I was working there. The amount of the first check was {$1600.00}, second check amount was XXXX and cash amount of {$480.00}. I was to pay my mortgage and some utilities bills. But for some reason I couldnt access my account since last week the bank never notified me. I called them and they are not giving me any concrete reason. And this a cause me financial set back and accumulations of fees.

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 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My Name is XXXX XXXX. Husband 's name is XXXX XXXX. I did not receive a bank deposit for my social security however my husband does. I am only on his account for emergency purposes. Wells Fargo allowed a writ of garnishment against me by XXXX to be deducted from his social security funds. His deposit goes from his checking to his savings. Wells Fargo says social is not protected when it is in a savings account. Wells Fargo said Social Security is not protected in a savings account. Now my husband can not make his car payment and he is a vet and he can not buy medical supplies from being injured in XXXX. I have told XXXX multiple times I do not get a bank deposit.

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 2025-05-19 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I checked my credit report and I see a capital one credit card is late and Ive never opened one. So its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off debt on my credit report, which is attributed to Barclays. I have recently learned that this debt was allegedly sold to XXXX XXXX, a company with which I have never entered into any contractual agreement. I do not recognize this company and have never received any communication from them verifying this debt. 

Given the circumstances, I request the following actions : Verification of Debt Ownership : Please provide documentation showing the sale of this debt to XXXX XXXX, including the date of sale and proof of their authority to collect on this debt. 
Correction of Credit Reporting : If Barclays has sold this debt, please ensure that your records and credit reporting reflect that you no longer have any claim to it. 
Issuance of Form XXXX : If Barclays has officially discharged or forgiven this debt, I am requesting a copy of IRS Form XXXX ( Cancellation of Debt ) for my records, in compliance with IRS regulations. 
I request a written response within 30 days of receiving this letter, confirming the actions taken and providing the requested documents. 

Please note that this letter is being sent in good faith to resolve this matter amicably. 

Thank you for your prompt attention to 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN sending me alerts to check my credit acct. When I try to access tell me username doesn't match I haven't changed my user name. Also message telling me the phone number on file doesn't match, but I haven't changed my phone number. 
I called several phone numbers for EXPERIAN can't get any customer service representative. 


Also I wrote to add a Fraud alert, in XXXX. There has been no response

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi 's Flex Pay program uses a 'fixed monthly fee ' and 'no interest '. It's very difficult to understand how their fees translate into interest rates. 

Because this is effectively a borrowing product, consumers should be able to make decisions based on interest rates.

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 2025-05-19 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. 

False {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. 

Past Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. 

Failure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. 

Account Under Dispute : You are reporting an account as disputed ( " consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). 

Resolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. 

Please mail confirmation of deletion to my address listed above. 

Sincerely, 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
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. 

False {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. 

Past Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. 

Failure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. 

Account Under Dispute : You are reporting an account as disputed ( " consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). 

Resolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. 

Please mail confirmation of deletion to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on a XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I did not authorize these inquires, please remove immediately. 
Personal information reporting incorrectly on credit reports.

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