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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal called on XX/XX/year> to inform me that my card was being used at XXXX different places in less than XXXX hours and told me they are closing the debit card and to come pick-up another card. 
XXXX called XX/XX/year> to ask if I knew anything about XXXX charges of XXXX dollars and I noticed my card being maxed out. I was informed that they are closing and sending me a new card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX : Originally, the company was reporting negative information with XXXX different accounts to my credit report. They finally removed XXXX. I assume because i got your company involve to assist with this.Now its retaliation. The other reporting account was closed XX/XX/year> but the company has been reporting delinquent payments every since they closed the account.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
The SAVE injunction has placed a hold on my student loan payments since XXXX, XXXX. 

Mohela on XX/XX/year> communicated via mail that my current balance was {$77000.00} in principal owed, plus {$1900.00} in interest owed. Granting a total of {$79000.00} as of XX/XX/year>. 

On XX/XX/year>, Mohela communicated through mail with a document showing all of my current loans were placed in a 0.0 % interest rate category and were in forbearance. 

Finally, on XX/XX/year> Mohela once again ( and for the last time ) communicated via mail that my loans were in forbearance due to the SAVE injunction, no payments may be made, and no interest was to be accruing during this time. 

As of today, my loan balance is sits at {$86000.00}. A total of over {$7200.00} in interest has been added to my account since XX/XX/year>. MOHELA acknowledges that my loans are in the SAVE forbearance, and no interest should be accruing, and yet, it continues to do so at a pace fare exceeding what my interest would be even without forbearance. Some of my loans have seen a 20 % increase in balance over the past five months.

At the current rate, my loan balance will grow by {$15000.00} this year, an almost 19 % annual interest rate. Four or five times greater than the interest rate on the loans during normal times, even outside the forbearance. 

Mohela frequently has phone wait times in excess of XXXX hours, and even if a call goes through to an operator, they state they are unable to help and to either call back and get someone else, or have a supervisor call me. A supervisor has never returned a call despite 3 months of attempting to fix this issue. 

XXXX email, MOHELA either does not respond, or responds with a template form, unspecific to my issue, with a notion of a vague action in the future, and suggests I call them for more help. 

All that I want is to pay back the money I owe at the loan rate I agreed to, according to the timeline determined by the US Justice System. Mohela is egregiously and neglectfully managing my loan portfolio, and frankly abusing me as a consumer with no ability to take my business elsewhere.

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: PA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within XXXX XXXX, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Mathew Aaron Holdings Inc.
State: CA

Complaint narrative:
I enrolled with GRT Financial in late XXXX for debt settlement services. After making XXXX payments totaling {$1500.00}, only XXXX debt was settled without clear documentation, and at a questionable rate ( around 60 % of balance, resulting in minimal savings ). I never signed or returned a Power of Attorney form, and I never received proper documentation of settlement terms or proof that payment was made to the creditor. 

In XX/XX/XXXX, after sending a written cancellation notice and explicitly requesting that all further communication and transactions cease, GRT drafted another {$750.00} from my account, causing an overdraft. I called to cancel verbally and was told all previously paid funds would be forfeited and considered earned fees. I was also told the XXXX settled account would be retracted, and none of my $ XXXX would be refunded. 

This is a predatory pattern. GRT misrepresented its program structure, failed to disclose how fees would be collected, and took unauthorized funds after cancellation. I am requesting : 1. Full reimbursement of any unearned fees, 2. A complete accounting of all funds taken, 3. Regulatory investigation into GRTs use of deceptive sales tactics, vague documentation, and unauthorized ACH withdrawals after service cancellation. 

I am also filing a dispute with my bank regarding the unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I was on a forbearance repayment plan and I have paid as agreeded and completed XX/XX/year> with last repayment. But in XXXX when I paid the payment they recorded payment incorrectly and kicked me off the repayment plan saying that I didnt pay. Contacted them and the admitted their mistake and reinstated the repayment agreement. But during the few days of there mistake they ordered a property inspection becouse of their mistake of terminating the payment arrangements. But never credited the {$25.00} inspection fee that they ordered becouse of their mistake. Now I made lest payment XX/XX/year> and was charged another property inspection fee. There was no reason for it due to no fees charged while under payment arrangements and I payed the last payment the same day charged and was completely current at that point. I will not pay their mistaken charges and expect them refunded immediately. Also while under natural disasters forbearance repayment arrangement I was paying as agreeded and therefore am current and no fees charged, but they reported to credit bureau XXXX days late. I never missed a agreeded payment and the natural disaster forbearance was not supposed to hurt me. But the destroyed my credit by reporting falsely that I was late. I wasnt, I paid every payment as agreeded even though they made it almost impossible and put every roadblock in my way. The credit reporting needs to have late payment status and history removed.

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: MD

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: Klarna AB
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX I CALLED KLARNA PERSONALLY AND THEY SAID THEY CAN ONLY SEE A BALANCE ON MY ACCOUNT FOR {$400.00} To : Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Debt Collection Discrepancy and Inaccurate Reporting Dear CFPB Representative, I am writing to formally submit a complaint regarding a debt collection account that is being inaccurately reported on my credit report and appears to involve possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

A collection agency has reported a debt of {$2700.00} to my credit file. However, the original creditors records indicate that the total remaining balance owed is only {$400.00}. This significant discrepancy raises serious concerns about the accuracy and legality of the amount being claimed by the debt collector. 

Specific Concerns : 1. Inflated Debt Amount Potential FDCPA Violation ( 15 U.S. Code 1692e & 1692f ) Under 15 U.S.C. 1692e ( 2 ) ( A ), debt collectors are prohibited from misrepresenting the amount of any debt. 
Additionally, 15 U.S.C. 1692f ( 1 ) prohibits the collection of any amount not expressly authorized by the agreement creating the debt or permitted by law. 
2. Failure to Report Accurate Information Potential FCRA Violation ( 15 U.S.C. 1681s-2 ) The FCRA requires furnishers of information to provide accurate and complete information. 
Reporting an inflated balance that does not match the records of the original creditor violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

3. Failure to Provide Validation Upon Dispute ( if applicable ) If I have disputed this debt and the collector has failed to provide adequate validation, that would be a further violation of 15 U.S.C. 1692g.C
t

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Amount : {$640.00} Account number : N/A I am writing to formally request that you cease all communication with me regarding any alleged debt you claim I owe. This request is being made under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Please stop all forms of communication with me, including but not limited to phone calls, letters, emails, or other types of correspondence. You are hereby notified that any further contact from your agency, except as allowed under the law ( e.g., to inform me of specific legal action ), will be considered a violation of the FDCPA. 

Be advised that I am documenting all communications from your agency and will report any violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect your full compliance with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX regarding a debt that was settled and paid in full for less than the balance years ago. The account shows a {$0.00} balance and was marked as charged-off, yet continues to report derogatory information to TransUnion and Equifax. 

This reporting is : Misleading, since the account is closed and paid Outdated, as the debt is beyond the statute of limitations for collection in my state ( XXXX XXXX ) Harmful, as it is lowering my creditworthiness for an account that is no longer legally valid Additionally, I have received calls at my place of employment from XXXX, which I consider harassment and a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( a ) ( 3 ).

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name appears as XXXX XXXX XXXX XXXX however my name is XXXX XXXX XXXX. There is no numeral XXXX in my name and I do not have a suffix. I provided a copy of my driver license to equifax to correct this on XXXXXX/XX/year> only to receive a XXXX investigation complete notice on XXXXXX/XX/year> indicating that I need to provide a copy of my driver license in order to update my name. Ive already provided that!

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting late payments on XXXX XXXXserviced student loans. XXXX has confirmed in writing they did not furnish this data to any credit bureau. Equifax updated the payment history in XX/XX/2025 to reflect more severe and more recent late payments ( please see screenshots ), a re-aging action which violates FCRA Sections 602, 605, and 607. This is negatively impacting my ability to gain proper funding for my businesses ( I have proof of this ), which subsequently is negatively impacting my livelihood and is causing me loss of income, great pain, XXXX emotional distress, XXXX XXXX. Im very concerned for my health because of all the stress this has placed on me as well as my family. I have asked EQUIFAX to present how they have verified this data and they have not. This is because XXXX has responded and said that they did not furnish data ( see attached ). I am asking here now once again kindly for all of these late payments to be removed ( not updated, removed ) and hopefully we can all move forward. If they are not removed Ill have to do whats best to protect my legal rights as an American citizen. Thank you.

Company response to consumer: Closed with explanation