vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc.
State: WA

Complaint narrative:
My roommate accepted documents stating a lawsuit was initiated by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Having worked with them in the past, I decided to go online and see what the balance was and chose to pay the balance in full. The original balance left going to the doctor was about {$270.00} to XXXX XXXX XXXX XXXXXXXX. XXXX XXXX  balance that was reflected the day I paid on XX/XX/2025 was {$360.00} with their added fees. I have screen shot of what was owed from their own website. 
I have also a screen shot it was paid in full and a confirmation number as well as a screenshot of my bank debit. They have possession of the money. I called them on XX/XX/2025 and in that conversation, they said that I did not pay it. I explained to them that is debited from my bank account and it is paid in full. They said they dont reflect the payment. They told me that they didnt apply it to my account that they declined the payment and issued me a refund, but that is not true they still hold the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There was a breach with XXXX  and there is information that is incorrect and needs to be updated the account was not closed in XXXX  thats also incorrect. 

I am disputing the accuracy of the account reporting above under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611.

This account is being inaccurately reported as a charge-off, which is false. I contacted the creditor directly, and they confirmed in writing that this account was paid in full and was never charged off. A copy of their confirmation letter is attached as evidence.

Because the creditors own records show that the account was paid in full, this derogatory charge-off status is factually incorrect and must be removed immediately. Please conduct a reasonable reinvestigation, correct or delete this item, and provide me with a written confirmation and an updated copy of my credit report.

If the furnisher can not provide documentation proving a charge-off occurred, the item must be deleted as required by FCRA 611 ( a ) ( 5 ).

Thank you for your prompt attention.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MS

Complaint narrative:
My son had student loans which he overpaid in the amount of {$2700.00} in total. We began calling MOHELA in XXXX of XXXX to request a refund and began speaking with the resolution team on XX/XX/XXXX. On XX/XX/XXXX the account was finally updated to a status of refund. I was then instructed that the refund would be received anytime within 90 days after XX/XX/XXXX. Today on XX/XX/XXXX ( 1 year after resolution teams talk began ) I called for a status update since no refund has been received to be told that they were wrong, on XX/XX/XXXX is when MOHELA was notified that XXXX XXXX had approved the refund and that MOHELA could send the amount to the treasury department for a refund. As of XX/XX/XXXX, MOHELA states that the approval has not been sent to the treasury requesting the refund and in it is in the accounting team realm of responsibility and there is no timeline for this to occur. 

A previous ticket remains open on this same issue. Ticket # XXXX. 

When will the accounting team send this refund amount to the treasury department to issue the refund? MOHELA has told me multiple times that I should wait 90 days and the refund will be applied to the account or a check mailed from the treasury. Each time this information was incorrect and I am then told that MOHELA still needs to send it to the treasury department. It took 9 months to get the account worked, approved by MOHELA for the refund. The refund has now had final approval by XXXX XXXX per MOHELA which was notified on XX/XX/XXXX. However, MOHELA has not processed the refund and it has now been over 60 days since it was approved to be sent to the treasury.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Everest Receivable Services Inc.
State: IN

Complaint narrative:
This company has called relatives in regards to this debt. All of the calls occurred today. The representative of this company left numerous messages on my familys voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect charges and loans Ive never pulled out myself. Leaked private information

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 2025-09-05 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: MO

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-05 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-05 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX  XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX  XXXX BALANCE : {$1100.00}, XXXX XXXX XXXX BALANCE : {$650.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included the necessary documents to support my claim.

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 2025-09-05 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: NJ

Complaint narrative:
This complaint is not submitted in error. My credit report reflects accounts that were never opened, authorized, or managed by me. Their presence is inaccurate, misleading, and damaging to my financial history. I take my credit profile seriously, and the reporting of these unauthorized accounts is unacceptable.

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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Complaint Details : I financed a XXXX XXXX XXXX through Westlake Financial in XXXX. The original payoff balance was approximately {$1500.00}. 

On XX/XX/XXXX, I attempted to pay the loan in full. However, Westlake Financials online payment portal would only allow me to submit {$860.00}, not the full payoff amount. After making the {$860.00} payment, I made repeated attempts to contact a live representative by phone but was unable to reach anyone to resolve the matter.

Despite the fact that I attempted to pay off the loan in full, Westlake Financial has continued to : Add interest to my account, Increase my balance, and Block my ability to resolve the account.

This appears to be an unfair or deceptive practice that prevents me from satisfying my legal obligation and exposes me to additional, unnecessary financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
This loan defaulted in XXXX due to a car accident with XXXX XXXX and it has been 7 years since. They sold the debt to NCB Management and they are reporting as XXXX and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I lost access to my XXXX Account via the XXXX Application and Website. They apparently made changes to their security layer. This new layer required some kind of passkey that I never set up. Now every time I attempt to access my account after I login I am prompted with a Verification Screen. This Verification Screen requires a passkey to be entered. Again, a passkey I do not have or never setup. I have opened multiple customer support tickets via email. I have gotten no response to this, and it is going on 10 days. They do not have customer support to handle this over the phone. I have called a number XXXX multiple times ( this number is listed in my statement email ) for assistance and their only response is they will try to escalate my customer support tickets. I am very worried about this. I can not monitor my credit transactions, make payments or even monitor my crypto holdings associated with this account. If I am not able to make payments, what happens to my credit... They will most likely give me a negative mark for not making a payment. Also, I usually pay my balance monthly to avoid interest charges, if I am not able to do this then on top of the negative credit mark, I will also get late fees and accrued interest. I have tried to file a complaint with the New York State Department of Financial Services, because XXXX is located in New York. They can not help because I do not live in New York. Will you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-09-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-05 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief