vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of the collection account XXXXXXXX XXXX XXXX XXXX  with a balance of {$310.00}, which appears on my credit reports with your agencies. This account is inaccurate and unverifiable, as I have no record of opening this account or incurring this debt. Reporting this collection account in my file violates FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update Information, and 607 ( b ) CRA Accuracy Requirements, which require furnishers and credit reporting agencies to maintain maximum possible accuracy in reporting. The information reported by the furnisher does not include sufficient documentation to substantiate the debt, including the original account agreement, the date of first delinquency, or a detailed payment history, and as such, it is misleading and incomplete. I request a full reinvestigation of this account with proper verification in accordance with federal law. 
Moreover, the continued reporting of this collection account causes tangible harm to my credit profile and potential access to financial services. Under FCRA 611 Right to Dispute and Require Reinvestigation and 602 ( a ) Requirement for Fair and Accurate Reporting, I am entitled to have inaccurate or unverifiable information corrected or removed promptly. Additionally, 15 U.S. Code 1666 Correction of Billing Errors and 1666a Creditor Restrictions During Dispute explicitly require that furnishers halt reporting of inaccurate information while disputes are pending. The reporting of this account without proper verification is particularly troubling because it may reflect a misapplied account, identity confusion, or a clerical error, yet it is being treated as valid and current, which is both harmful and unlawful. I request that you contact the furnisher directly to provide documentation proving the validity of this debt, including the exact date of origination, statements showing my acknowledgement of the balance, and any communications regarding the alleged collection.

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 2025-11-17 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: GA

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 XXXX 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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I made a payment to PayPal credit on the due date for the full amount on the card. Payment has not yet been " processed '' and I'm not being charged interest for a past due payment. Statement is also saying that I owe XXXX more dollars than I have spent on the card. Unfortunately due to staffing issues I was only able to use their AI chat and nothing useful was accomplished.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit reports, which have been reported inconsistently across Experian, Equifax, and TransUnion and violate several provisions of the Fair Credit Reporting Act ( FCRA ). My personal identifying information is inaccurately reported as XXXX XXXX and XXXX XXXX in Experian, and my addresses are incorrectly listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX in TransUnion, violating XXXX ( a ) ( XXXX ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) CRA Accuracy Requirements. These errors have caused multiple accounts, including late-open, late-closed, and charge-off accounts, to be misattributed or duplicated. I request immediate correction of my personal information to reflect my true identity and current addresses. 
In addition, I am disputing numerous late-open accounts with inconsistent reporting. XXXX XXXX XXXX XXXX XXXX XXXX ( {$16000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows repeated late payments from XX/XX/XXXX through XX/XX/XXXX, with XXXX, XXXX, XXXX, and XXXX delinquencies, reported differently between XXXX and TransUnion, violating 15 U.S. Code 1666 Correction of Billing Errors, 1666a Creditor Restrictions, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609. Late-closed accounts including XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show inconsistent late payments and balances between bureaus, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ). 
Furthermore, charge-offs including XXXX XXXX XXXXXXXX XXXX {$4600.00}, XXXX XXXX XXXX {$4200.00}, XXXX XXXX {$9200.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$1800.00}, XXXX XXXX {$1700.00}, and XXXXXXXX XXXX XXXX {$11000.00} are reported inconsistently across bureaus with conflicting balances and DOFD, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ). In addition, multiple inquiries including XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX reporting XXXX  either lack permissible purpose, remain beyond allowable reporting limits, or are unauthorized, violating 604 ( a ), 605 ( a ), and 611.

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 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
A FHA case transfer request was originally sent to Freedom on XX/XX/XXXX, and I received an automated response stating the FHA case transfer would take 72 hours, I called on XXXX and XXXX to follow up and was told each time that it was still in process, but that the representative would escalate the issue.. It was only after the mortgage broker called on XXXX did we see traction on this request as it was sent to the escalation team. They were able to get this resolved XX/XX/XXXX. This is well after the projected turnaround time of 72 hours that I was advised by email on XX/XX/XXXX. 

The refinance process was on hold while we waited for the FHA loan transfer, as the broker couldn't request the appraisal or start any paperwork until the FHA case was released. My original scheduled refinance date was XX/XX/XXXX and due to the halt caused by the FHA case transfer delay, we were not able to close until XX/XX/XXXX. 

My rate lock expired on XX/XX/XXXX, and due to the delay I incurred a fee of {$640.00} to hold the rate for 4 additional days. If it had not been for the almost two week delay caused by Freedom Mortgage, the refinance would have closed before XX/XX/XXXX. 

I filed a complaint with XXXX  and the first response from Freedom was that they mailed me a refund in XXXX, and they left out that the refund was the escrow balance that they are required to refund. The next response from Freedom was a denial of any delays, despite multiple Freedom representatives admitting over the phone that they did cause a long delay.

I'm requesting a refund of {$1700.00} to cover additional costs caused by the Freedom failure to file the FHA case transfer request.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal and financial was comprised without my permission. I went on my credit report and see things that have not thing to do with me. I am part of the Equifax and TransUnion and Experian data breach. My engagement # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint as a consumer who has carefully reviewed my credit reports and discovered multiple inquiries that I did not authorize, yet continue to appear on my credit file, raising serious concerns regarding my creditworthiness and compliance with federal law. On Equifax, inquiries from XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all listed without my knowledge or authorization, and on TransUnion, inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> appear similarly without my consent. I did not initiate any of these inquiries, and no permissible purpose exists for their reporting. Under FCRA 619 15 U.S.C. 1681q, I have the right to dispute unauthorized inquiries, and the continued reporting of these inquiries may constitute a knowing or negligent violation of federal law. Furthermore, under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), consumer reporting agencies are required to furnish information only when a permissible purpose exists, such as a valid application or written consent from the consumer, which in this case is entirely absent. The inclusion of these inquiries is therefore inaccurate, unauthorized, and misleading, and it has caused unnecessary stress, concern, and potential harm to my financial reputation.

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 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MO

Complaint narrative:
I am the co-signer on my brothers private student loans originally originated through XXXX XXXX between XXXX and now serviced by XXXX first, and now Mohela. 
These loans have reset to a variable interest rate between XXXX %. Mohela is demanding monthly payments that are completely unaffordable for either of us. 
I am currently unpaid due to the federal government shutdown and do not have the ability to make payments. Mohela has refused to offer any meaningful hardship accommodation. Their only option was an interest-only payment of approximately $ XXXXmonth, which neither borrower nor co-signer can afford. This is not a realistic hardship plan and puts me at financial risk. 
I am requesting CFPB assistance to require XXXX to offer an affordable hardship plan or income-based accommodation that reflects our actual financial situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : 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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX 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 2025-11-17 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: GA

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My Ally auto loan ( account ending XXXX ) is being inaccurately reported on my credit report. 
The account was charged off and closed in XX/XX/XXXX. However, Ally is reporting late payments for XXXX, XXXX, and XXXX. This is impossible because a closed and charged-off account can not generate new late payments. 

This violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information they know or should know is inaccurate FCRA 607 ( b ) consumer reporting agencies must maintain maximum possible accuracy I have already disputed this information with the credit bureaus, and Ally verified the inaccurate late payments.

I am requesting that the CFPB require Ally to : 1. Remove all late payments reported after XX/XX/XXXX XXXX. Correct the account status 3. Update the information with all credit bureaus I am attaching a screenshot of the inaccurate payment history as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SoLo Funds Inc.
State: CA

Complaint narrative:
CFPB, I would like to file a complaint regarding my experience with Solo Funds. I have been attempting to maintain an account with the company, but they have created multiple barriers that make it extremely difficult for me to fully access and use their services. 

Despite my repeated attempts to comply with their requirements and follow all instructions, I continue to encounter obstacles that prevent me from using the account as intended. This has caused significant frustration and has made it nearly impossible for me to benefit from the platform.

I am not disputing any amounts or alleging wrongdoing. I am simply asking for assistance so that I can have fair access to my account without unnecessary barriers. I have gone out of my way to cooperate, provide information, and meet every requirement that has been set, yet the difficulties persist.

I am respectfully requesting that the Consumer Financial Protection Bureau review this matter and ask Solo Funds to remove these barriers and assist me in fully restoring or maintaining my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$29000.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$39000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$29000.00} Account name XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$71000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year>, a 30-day late payment was reported on my XXXX XXXX XXXXXXXX account . The late was caused by a {$20.00} XXXX XXXX transaction that I did not authorize. 

I first received a payment notice on XX/XX/year>. Upon noticing the unauthorized transaction, I immediately corrected the payment. 

I have contacted XXXX XXXX XXXXXXXX multiple times, submitted disputes, and requested a goodwill adjustment to remove the late payment, but the issue has not been resolved. 

This late payment does not reflect my normal payment behavior, and I am requesting that XXXX  XXXX XXXX remove it from 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 2025-11-17 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: TX

Complaint narrative:
In XX/XX/year>, a 30-day late payment was reported on my XXXX XXXX XXXXXXXX account . The late was caused by a {$20.00} XXXX XXXX transaction that I did not authorize. 

I first received a payment notice on XX/XX/year>. Upon noticing the unauthorized transaction, I immediately corrected the payment. 

I have contacted XXXX XXXX XXXXXXXX multiple times, submitted disputes, and requested a goodwill adjustment to remove the late payment, but the issue has not been resolved. 

This late payment does not reflect my normal payment behavior, and I am requesting that XXXX XXXX XXXXXXXX remove it from my credit report.

Company response to consumer: Closed with explanation