vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Dear Sir/Madam, I am disputing several items on my credit report with the credit bureaus, Experian. Below are the details of the accounts I am disputing : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX  Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : 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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I refinanced my auto loan with PenFed for {$33000.00}, intended to pay off my existing loan with XXXX. 

PenFed issued a paper payoff check to me, which I mailed to XXXX on XX/XX/year>. Since then, I have made daily follow-up calls to XXXX, and as of XX/XX/year>, they still have not received the payoff. 

I requested PenFed to send the payoff via wire transfer or ACH to resolve the issue, but they refused. On XX/XX/year>, PenFed advised mailing another paper check that would take 57 days to arrive, and stated they would charge me expedited fees if I wanted it delivered sooner. 

Because of this delay, I am now required to make payments to both lenders in XX/XX/year>, right before XXXX. This creates significant financial hardship, especially as I am supporting XXXX children. 

I am seeking immediate resolution to ensure the payoff is properly delivered, the lien is released, and I am not penalized with unnecessary fees or double payments.

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 monetary relief
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
I am writing to file a formal dispute regarding several items on my credit report. The accounts listed below have discrepancies that I believe need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payment : XXXX  XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-15 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: GA

Complaint narrative:
I obtained my Equifax consumer credit report and identified multiple inaccuracies across personal information, tradelines, collections, and inquiries. Equifax is reporting inaccurate address information by listing an unauthorized XXXX XXXX address as current while listing my Georgia address as former, resulting in contaminated file identification data. 

The report also reflects tradelines and collections that are obsolete, internally contradictory, unlawfully re-reported, or re-aged, including continued reporting after dormancy, conflicting balances, dates, and status codes, and duplicate or improper furnishing. These items remain on my report despite prior notice. 

In addition, the Equifax file reflects auto-related inquiries categorized as soft inquiries despite the absence of any authorized auto credit application or auto insurance activity, indicating inquiries reported without a permissible purpose. 

After notice, Equifax has continued to publish the disputed information without deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Two Dots Inc.
State: MD

Complaint narrative:
Two Dots denied my housing application based on a consumer report that was inaccurate despite them having received correct information. I received a written adverse action notice. I am disputing their failure to ensure accuracy and requesting correction and reinvestigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this complaint regarding inaccuracies on my TransUnion credit report. I am actively working to fix my credit, and I respectfully request a reinvestigation of the following items to ensure they are compliant with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the accuracy, balance, and reporting of the following accounts : XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$530.00} Please validate these accounts or remove them from my report if they can not be confirmed. 

Late Payments I dispute the late payment reporting on the following accounts : XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX These late payments should be reviewed for accuracy and corrected if necessary.

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 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I do not have service with Wells Fargo. I received a piece of mail from Wells Fargo and they thanked me for a recent loan application that was submitted on my behalf. 

This is a fraud and scam statement. I never did try to sign-up with Wells Fargo . I don't know how this information was sent to Wells Fargo and still not sure what error and fraud is occurring.

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 2025-12-15 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: MA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-15 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: LA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
I was approved for a {$300.00} loan with sunshine loans. Despite being a little apprehensive, I proceeded with it. Ive tried making my loan payment all day, but keep getting an error. I reached out to the company, but Im getting no response. I went to my account to check my payment methods, and the debit card and bank account listed arent the accounts I provided and arent the accounts I received the money to. Im scared theyre going to do some shady stuff and although I have a payment breakdown ( which I verified with someone last week via email, I feel something is very wrong ). Theres no number listed to reach someone, theres only an email address. Im worried theyre going to draft unnecessary monies from my account and have me thinking all its a scam ( because the info listed isnt mine ). I dont know what to do. All I was trying to do was make my payment, and nothing has operated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD Bank debited an amount of {$710.00} today, XX/XX/XXXX, from my account ending in XXXX. According to their recovery dept, this amount was taken to cover overdrawn account ending in XXXX, this account was used to make a purchase with XXXX in amount of {$3.00}, XXXX on or around XX/XX/XXXX, a flight and hotel package. The hotel portion of purchase made was disputed with TD Bank as service not provided, the room booked was not available. The hotel portion is in amount of {$2.00}, XXXX. TD Bank issued a provisional credit in this amount, then reversed it and sided wirh XXXX. The credit reversal then caused account to become overdrawn, TD Bank is now debiting my account ending in XXXX to cover overdrawn balance. According to account recovery, I should continue to dispute transaction, in which case, TD Bank has already sided with merchant. My attorney is looking into matter with merchant, XXXX, attempting to recover hotel fee paid. XXXX advertised a XXXX bedroom XXXX XXXX is not available, due to overbooking. I canceled hotel stay, no refund received. I request TD Bank cease from deducting funds from accounts currently open while XXXX dispute is worked out with my attorney. According to recovery rep spoken with today, the account agreement allows TD Bank to deduct funds in which case, I request copy of agreement. In closing, recovery also mentioned an account closed in XXXX, with a balance due to TD Bank in amount of around {$1800.00}. This amount represents a fraudulent debit card transaction, a purchase from a XXXX dealership, which I received nothing from, never did business with. I believe this account balance should be waived due to age and fraud. The account number is not available to me, opened at my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
My federal student loan servicer, MOHELA, placed my loans into forbearance without my request, consent, or authorization while I was enrolled in an Income-Driven Repayment ( IDR ) plan and employed full-time by a qualifying Public Service Loan Forgiveness ( PSLF ) employer.

This unauthorized forbearance improperly removed qualifying PSLF and IDR months from my payment count. I formally disputed the error in writing and requested retroactive credit. MOHELA responded but refused to correct the error or credit the affected months. 

I then submitted a formal complaint to the Federal Student Aid Ombudsman on XX/XX/year>, including MOHELAs response and supporting documentation. It has now been over three weeks with no response or status update, and the error remains uncorrected. 

Under 34 C.F.R. 685.219 ( c ) and the Department of Educations Payment Count Adjustment policy, months placed into forbearance due to servicer error or without borrower consent should be credited toward PSLF and IDR forgiveness. 

I am requesting correction of servicer error and retroactive credit of qualifying PSLF and IDR months improperly placed into forbearance, along with an updated payment count and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-15 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: CA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-15 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: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-12-15 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I financed the purchase of a XXXX XXXX XXXX on XX/XX/XXXX. Within 30 days, the vehicle experienced a steering-system failure that rendered it completely inoperable. The same failure recurred multiple times, including a prolonged period of inoperability beginning XX/XX/XXXX. When the failure occurs, the vehicle can not be operated. 

Vehicle history records show steering-system service prior to purchase, indicating the vehicle may have had a pre-existing condition at the time the loan was originated. Despite repeated inoperability and repair attempts for the same steering-related defect, loan payments continued to be required while the vehicle was unavailable for its intended use. 

During a compliance call on XX/XX/XXXX, XXXX stated it only acknowledges XXXX claims and limited its discussion to warranty determinations, referencing XXXX. XXXX did not address Bridgecrests role as the loan servicer or whether the repeated failures and pre-existing condition affected the vehicles suitability as collateral securing the loan. 

My concern is that the loan continues to be serviced without addressing whether the vehicle met the condition required of financed collateral at origination or whether continued payment obligations are appropriate given the vehicles repeated inoperability and loss of use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am a client of Chase Bank and currently hold both a Chase debit card and a Chase credit card. I have held the Chase Freedom XXXX  credit card since last year. 

I am writing to file a complaint regarding Chases handling of my account upgrade and my resulting loss of eligibility for the Chase Freedom XXXX {$300.00} new account opening bonus. 

I was interested in applying for the Chase Freedom XXXX card specifically because of the advertised {$300.00} sign-up bonus. Since XX/XX/year>, Chases website repeatedly indicated that my Chase Freedom XXXX  card would be automatically upgraded in approximately XXXX month. This information was misleading, as no clear or specific upgrade date was ever disclosed. 

Based on this information, I intentionally planned to apply for the Chase Freedom XXXX  card before any automatic upgrade occurred, so that I could qualify for the {$300.00} bonus. I attempted to prepare and apply last week, but received no clear response or warning from Chase. Then, on XX/XX/XXXX, my Chase Freedom XXXX  card was automatically upgraded without prior notice, approximately XXXX hours before I planned to submit my application. 

As a result of this unexpected and undisclosed automatic upgrade, I immediately became ineligible for the {$300.00} bonus. I contacted Chase customer service to request an accommodation or bonus adjustment, explaining that I had relied on Chases own representations regarding the timing of the upgrade. Chase refused to provide the bonus and instead advised me to reapply for the same product, which is not possible and does not resolve the issue. 

I believe Chases actions were misleading and unfair to customers. The lack of advance notice regarding the automatic upgrade deprived me of a meaningful opportunity to apply for the advertised offer. Chases refusal to provide any remedy despite these circumstances is unreasonable and inconsistent with responsible customer service practices. 

I respectfully request CFPBs assistance in reviewing this matter and helping Chase honor the {$300.00} promotional bonus, or otherwise provide an appropriate resolution. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation