vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: DISCOVER BANK
State: CA

Complaint narrative:
After having accepted an invitation from open sky gold card and that's the only way you can get this card is by being invited I was not supposed to inquire or ding on my credit report or an inquiry or lose any point and I did from Experian From accepting this card as stated by open sky gold card but I did unnecessarily ... Also please no continuously even pain on time or before time I am constantly losing points from experience once I started reaching XXXX somebody starts shooting my points down and nothing has changed about my expenditure or payment history I'm a creature of habit and I use the same routine someone is being very knowledgeable about credit and the FICO score department something is seriously going on and I would like for my points to be replenished there is no reason for this and it's unacceptable if this can not be resolved through the consumer financial protection bureau I will take this up with my attorney general 's office and the federal trade commissioners I have extensive proof and this is unacceptable... I don't know if the IT department is manipulating the numbers or causing this issue but something is going on nothing has changed about myself and I do follow the rules in the regulations regarding the usage of a credit card and I know that when my balance is go down especially in my mortgage anything my credit should go up because it shows me as a consumer as a responsible individual as well as there's a decline in my debt... Meaning my balance is going down or it is {$0.00} but there is usage never over 10 % mortgage is a different story because that's a 30-year contract based on the monthly payments I don't know who these people are that they have trained in the background, but they're not knowledgeable about XXXX XXXX XXXX XXXX XXXX XXXX IT COMES TO MORTGAGES or the laws that's governed under the FCRA or the FTC...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
My personal information including email addresses was exposed and compromised XXXX data breach and my identity was stolen and I dont recognize any of the inquiries and accounts listed below : XXXXXX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
please check the information concerning the Equifax data breach below in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding the inaccurate credit reporting of my account with XXXX XXXX XXXX XXXX XXXX. 
Specifically, this account is being reported with XXXX XXXX late payment entries, which are incorrect and causing unfair harm to my credit standing. 

Upon my review, I found that : These entries are not consistent with verified account activity. 
I did not authorize XXXX XXXX XXXX XXXX XXXX to report this data. 
Experian or other bureaus may be reflecting this inaccurately.

This violates my rights under the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

FCRA 1681i : I have the right to dispute and request deletion or correction of unverifiable data.

FCRA 1681b : A permissible purpose is required for reporting ; I did not provide written permission for inaccurate data to be furnished.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding the inaccurate credit reporting of my account with XXXX XXXX XXXX XXXX XXXX. 
Specifically, this account is being reported with XXXX XXXX late payment entries, which are incorrect and causing unfair harm to my credit standing. 

Upon my review, I found that : These entries are not consistent with verified account activity. 
I did not authorize XXXX XXXX XXXX XXXX XXXX to report this data. 
Experian or other bureaus may be reflecting this inaccurately.

This violates my rights under the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

FCRA 1681i : I have the right to dispute and request deletion or correction of unverifiable data.

FCRA 1681b : A permissible purpose is required for reporting ; I did not provide written permission for inaccurate data to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number Date : XX/XX/year> XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXXREPORTED Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXXFREPORTED Account Number : XXXX XXXX SELFREPORTED Account Number : XXXX CELTICCONT Account Number : XXXX XXXX XXXX Account Number : XXXX TBOMMILSTNE Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX SELFREPORTED Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX MISSIONLNTAB Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX SELFREPORTED Account Number : XXXX XXXX SELFREPORTED 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 2025-06-01 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: WI

Complaint narrative:
I am writing to formally request your assistance regarding a deeply troubling issue with the servicing and reporting of my federal student loans. MOHELA is currently reporting a loan balance of over {$160000.00}, including more than {$84000.00} in unexplained accrued interest. These figures are inconsistent with the Department of Education 's own records, which show that my loans were presumed paid in full as of XXXX. 
Despite years of active repayment from XXXX through XXXX, MOHELA has no record of my original loan history, deferments, or payment transactions and has continued reporting inflated balances based on undocumented and possibly fabricated data. I have filed a FOIA request with the Department of Education and am formally disputing the account with MOHELA under the Fair Credit Reporting Act ( FCRA ) and Higher Education Act ( HEA ). 
I am respectfully requesting that your office : Intervene in securing a full reconciliation of my account ; Investigate possible violations of federal consumer protection and reporting laws ; Assist in ensuring that erroneous negative credit reporting is suppressed during the investigation ; Help compel MOHELA and its affiliates to produce complete, original loan servicing records from XXXX. 
This situation has had significant financial and emotional consequences. I have included my full dispute letter, FOIA request, NSLDS data, and current loan account statements to support my claim. 
Thank you for your time and urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I would like the record to state that no one else is responsible for this dispute but me, XXXX XXXX XXXX. No one helped me with this, nor did I pay any credit repair company to help me type this letter. Im not sure how this could have happened to me. I recently pulled my credit report. I found accounts that dont belong to me. I believe they were placed in error on my report, or someone has stolen my identity. I repeated these accounts do not belong to me, I never opened any of these accounts, nor did I give anyone consent to do. No one has contacted me in reference to these accounts from the original creditor nor the collection companies. 


XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX. I never signed any documents with these companies, nor with the original creditors listed. These companies have violated my rights ; I have rights under section 15 USC 1681. 15 U.S.C. 1681 Section 602 a state I have a right privacy ; Consumer reporting agency can not furnish an account without written instructions and consent. 
I demand these accounts be permanently removed. I have a right to privacy, and I did not give these creditors consent to furnish these accounts. 
Please remove these hard inquiries, I never gave anyone authorization to run my credit. I did not consent to these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
I would like the record to state that no one else is responsible for this dispute but me, XXXX XXXX XXXX. No one helped me with this, nor did I pay any credit repair company to help me type this letter. Im not sure how this could have happened to me. I recently pulled my credit report. I found accounts that dont belong to me. I believe they were placed in error on my report, or someone has stolen my identity. I repeated these accounts do not belong to me, I never opened any of these accounts, nor did I give anyone consent to do. No one has contacted me in reference to these accounts from the original creditor nor the collection companies. 


XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX. I never signed any documents with these companies, nor with the original creditors listed. These companies have violated my rights ; I have rights under section 15 USC 1681. 15 U.S.C. 1681 Section 602 a state I have a right privacy ; Consumer reporting agency can not furnish an account without written instructions and consent. 
I demand these accounts be permanently removed. I have a right to privacy, and I did not give these creditors consent to furnish these accounts. 
Please remove these hard inquiries, I never gave anyone authorization to run my credit. I did not consent to these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have an XXXX credit card through Chase bank, and have always made my monthly payments on time from the same account for the last 4 yrs. Payments are due on the 1st of each month.

Chase has sent me numerous emails saying I have an important letter concerning my account and the only way to access this letter is by logging into my account. HOWEVER- Chase has LOCKED me out of my account. Is this the most insane thing...?

This last month I have been unable to log in to make a payment. I tried the Forget my Password link which says they will send me a code to my phone number ending in XXXX. 
Never received code, I have tried this option at least 4 times in the last week. SO I tried paying by phone. Once I entered my personal information I was transferred to someone from XXXX or the XXXX. It was difficult understanding her, but I think she said my account was closed, and said she could not take a payment and that I had to go through another department for that. I was transferred, waited and waited and waited finally hung up. 

If my account is closed, why would Chase lock me out of my account, making it nearly impossible to make a payment which It seems I will not be able to make and now will be charged a late fee. 
Why would Chase lock me out of my account so that I can not receive any information on my account. 
They will try to say it is a security issue, but that would be a lie I have made payment from the same computer, from the same IP address and from the same checking account for over 3 years, so what security issue could there possibly be? 

I asked why my account was closed .. Chase has all my contact information, Phone numbers. Email. Address, but I have not received anything from Chase indicating something was wrong. It's been a very frustrating ordeal. Chase doesnt waste time text me or email me solicitations or call for other things. 
Closing an account is a big deal yet they make no effort to reach me and force myself and likely others to go through all this frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
They called and asked to speak with me they would not tell me who they were or why they were calling they also did not tell me the call was recorded. When I askd who they were I was transfered to a supervisor that told me the name of the company but not the reason for the call. They did not provide a mini-miranda and due to that I did not verify my identity to them. I sent a certified letter on XX/XX/XXXX that they violated the law in debt collection practices specifically FDCPA 111-203, title X, 124 Stat. 2092 ( 2010 ). they have not responded to my letters demand for proof of why they are calling nor have they sent any monetary compensation for their illigal practices.

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 2025-06-01 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:
This account is being reported in a manner that may be in violation of federal law : Account name : XXXX  XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXt # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. This account includes inaccurate or outdated information. 

FCRA 1681i ( a ) ( 1 ) ( A ) entitles me to a timely reinvestigation of any disputed item, which has not been adequately addressed. 

FCRA 1681i ( a ) ( 5 ) ( A ) states that if the data furnisher is unable to verify the information, it must be deleted from the report. 

Additionally, under FDCPA 1692g ( b ), I requested debt validation from the collector. They failed to provide any documentation proving that I owe this debt. Reporting a debt without proper validation is a violation of federal law. 

Despite my attempts to resolve this directly with the data furnisher, the account continues to appear on my credit report, harming my creditworthiness and financial opportunities. 

Requested Resolution : A full investigation by the CFPB into the legitimacy of this account Immediate deletion of the account from all credit bureaus if the information can not be verified A written confirmation of the actions taken regarding this dispute I appreciate your attention to this matter and request that you act promptly to ensure compliance with federal credit reporting and debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
Issue : Failure to properly investigate multiple credit disputes ; vague response letter ; continued reporting of unverifiable and inaccurate information ; failure to update personal identifying info despite valid proof. 

Details : On XX/XX/year>, I submitted written disputes to Experian regarding multiple items on my credit report, including : XXXX XXXX XXXX XXXX ( collection ), XXXX XXXX Co ( collection tied to XXXXXXXX XXXX XXXX, XXXX XXXX ( collection ), XXXX XXXX ( charge-off ), Credit Acceptance Corp ( paid auto loan with incorrect payment history ), Incorrect personal address information ( despite providing my valid XXXX ). 

Experian responded with a generic letter that did not identify any specific account, did not describe what was verified or how, and failed to acknowledge the personal information correction request. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 USC 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation, 15 USC 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable information, 15 USC 1681i ( a ) ( 6 ) failure to provide written notice of the results of each reinvestigation, 15 USC 1681e ( b ) failure to maintain accurate and complete personal information.

I am requesting the CFPB to hold Experian accountable and require them to : Provide verification details for each account, Delete any unverifiable items, Correct my personal address as documented, Comply with all sections of the FCRA.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have sent over twelve emails and called the company five times about this problem and they still won't correct it. For reasons unknown to me, this company is attempting to debit loan payments form my SAVINGS account, not my CHECKING account, so my bank declined the transaction. Upstart keeps telling me to upload a canceled check to verify my bank account, but since the information is correct, their website says " account already verified. '' I can not seem to get them to understand they need to change the account from savings to checking, it's quite simple. I have been charged two returned check fees for {$15.00} each, and as of today, they have reported my account as delinquent. I PAID the payments on time, their ridiculous website and misinformed employees are the problem. I demand they immediately correct their wrong information in regards to my bank account so they debit my CHECKING rather than SAVINGS. Additionally, they need to correct their credit bureau reporting immediately. I did not pay late! This issue is because of their refusal to correct their misinformation, nothing else.

Company response to consumer: Closed with explanation