vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-02 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One close my bank account and they said that it was unusual activity out the normal activity of their customers which is peculiar to me because only thing I did was deposit from my account to my credit card I have firm an affirmate this to be 100 % true and accurate what I would like is monetary relief for all the deposits which Capital One has kept and which I have the receipts to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
My consolidation on my student loans was in XXXX. The loans were taken out in XXXX. My IDR repayment count for the 20-25 year discharge was updated last year with 4 months left to discharge. Now it wont be discharged until XXXX. I dont understand how this happened. I have Moheala for a loan services. My consolidation loans were through XXXX XXXX for myself and XXXX XXXX for my children. If the XXXX XXXX do not qualify what about the loans I took for myself. When the past payment one time retro count updated it was on all the consolidated loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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:
Complaint Against : Experian Information Services & XXXX Summary : I am filing this complaint because Experian and XXXX failed to conduct a reasonable reinvestigation under FCRA 611 ( a ), and the XXXX XXXX continues to reflect misleading and incomplete information that can not be verified. 

Full Description : I have disputed the XXXX tradeline with Experian twice due to inconsistent and incomplete reporting. Experian repeatedly marked the account updated and then remains without correcting any of the inaccurate fields or providing any evidence that a reasonable reinvestigation occurred, violating FCRA 611 ( a ). 

XXXX continues to report the account as charged off/sold to XXXX XXXX XXXX XXXX but XXXX XXXX has been removed from my credit report for inaccurate reporting and has no active tradeline, contact, or updated ownership information. This creates a materially misleading and incomplete status, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). A furnisher can not direct consumers to a debt owner that does not appear anywhere on their credit report and can not be verified.

Despite my disputes, Experian made no corrections, added no dispute notation, and did not address the missing, contradictory, or incomplete Metro 2 fields. XXXX also provided no documentation validating the accuracy of what they are furnishing, nor did they correct the misleading sold status after the buyers tradeline was removed. Both parties are continuing to furnish or confirm information that can not be properly certified as accurate or complete. 

This is an unreasonable reinvestigation by Experian and an ongoing furnishing violation by XXXX. 
I am requesting CFPB intervention to ensure compliance with FCRA, Metro 2 guidelines, and to require deletion of this tradeline because it can not be accurately verified.

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 2025-12-02 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-02 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-02 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is one account I am asking you to verify as accurate : BANK name XXXX XXXX  account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-02 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 : UNKNOWN # XXXX -- Balance : {$67.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy.

Here are one item I am asking you to verify as accurate : 1. Bank account name : XXXX XXXX Bank 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: RI

Complaint narrative:
Closed acct on XX/XX/XXXX Charged XXXX on XX/XX/XXXX Called XX/XX/XXXX asking for refund for XXXX. XXXX couldn't help Called XXXX when I got charged again and again, couldn't help me Called my bank and told them what's going on. They investigated and returned XXXX Called XX/XX/XXXX asking for a supervisor. Said they would call back with XXXX hrs. No call Called today, XXXX and asked them to stop emails and charges and customer service, " XXXX '', told me I had a balance. There should be no balance. 
XXXX was charged always on XXXX of month. 

Please help me. This was a credit builder card but I canceled it and they won't stop. I have a perfect payment history on my credit and am so frustrated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
The title insurance company is XXXX XXXX XXXX XXXX XXXX The mortgage servicer is Select Portfolio Servicing ( SPS ) SPS " retained counsel is XXXX and XXXX XXXX XXXX and XXXX XXXX I filed a title insurance claim as the title company failed to identify an easement running under my property XX/XX/XXXX The title insurance company retained an appraiser to determine the diminution in value due to easement. This appraisal showed a diminution of {$590000.00} on XX/XX/XXXX The title company informed me that they would include the mortgage servicer and me as payees on check XX/XX/XXXX Title company provided explanation of payment letter to SPS to explain the reason for the settlement check XX/XX/XXXX SPS informed title company and me that the loss draft department was the correct department at SPS to endorse the check XX/XX/XXXX. 
I called this department 1-2 times per day between XXXX and XX/XX/XXXX SPS informed XXXX that the internal office of the Ombudsman at SPS could help me expedite the case on XX/XX/XXXX I emailed the office of the ombudsman the relevant documents and calculations to execute the endorsement of the settlement check on XX/XX/XXXX I called this office 1-2 times per day between XX/XX/XXXX and XX/XX/XXXX SPS informed me that they retained outside counsel ( XXXX and XXXX ) XXXX help XXXX XXXX issue on XX/XX/XXXX I provided SPS ' counsel with the relevant documents and calculations to execute the endorsement of the settlement check on XX/XX/XXXX I followed up with XXXX and XXXX XXXX XXXX per day every day from XXXX until today ( XX/XX/XXXX ) It has now been 59 days since the title company has provided the explanation of payment and SPS is stalling on endorsing the check. There is no way to talk to any decision maker at SPS. Further, the reps in the loss draft department and the ombudsman department can send requests for updates but there is no way for them to call a decision maker so there is no way to know if anyone is actually working on getting the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
Starting in XX/XX/XXXX XXXX was charging me XXXX cent almost every XXXX hours I reported fraud XX/XX/XXXX XXXX mins after the first charge I was then later charge over XXXX after being told the merchant will be block I made the call about these transactions when I notice over XXXX $ went missing from my deposit I then later have a agent tell me you also have a bunch of transactions with the same merchant dating back to XX/XX/XXXX and I said thats impossible because I have text messages telling you guys it wasnt me and you guys telling me thats money wont be taken we are now in XXXX and my dispute got declined over XXXX times and I reported this dispute around the same time I put in my other dispute they then told me I dont get temporary credit because the transaction is over XXXX days which its going to be because its a error on them they told me the money wouldnt be taken why would I go check to see if I had over XXXX go missing if I told you guys it wasnt fraud day of transaction and me getting told money wont get take. It but in reality it did and now its been open since XX/XX/XXXX and didnt get declined again in less then XXXX now they telling me XXXX cant get temporary credit when this falls on a error on them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-02 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.

Complaint narrative:
I am an active-duty XXXX XXXX XXXX XXXX XXXX stationed overseas in XXXX. My credit report shows a collection account from XXXX XXXX XXXX for {$870.00} related to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never notified about this debt by XXXX, neither before nor after it was sent to collections. 

I did not receive : Any billing statements Any emails Any mailed notice Any communication informing me of an outstanding balance Any notice that the account was being sent to collections The legally required XXXX dispute/validation notice The first time I became aware of this alleged balance was when it appeared on my credit report. As a XXXX service member overseas, communication is already limited due to time differences, duty schedules, and restricted access, and XXXX made no reasonable effort to contact me. 

This violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Servicemembers Civil Relief Act ( SCRA ), which require proper notice, validation, and reasonable accommodation for active-duty military personnel.

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 2025-12-02 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account 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 2025-12-02 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: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 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: CA

Complaint narrative:
I dont have any connection to these accounts and didnt approve them. Please investigate and remove them. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
I am submitting this formal dispute regarding inaccurate late payment reporting appearing on my TransUnion, Experian and Equifax credit file. The late payments being reported on the accounts listed below are false, unverified, and inconsistent with accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$220.00} Reason : This account is being inaccurately reported with a late payment. I did not miss any payment, and this reporting is inconsistent with my payment history. Please verify the complete payment record with the furnisher and remove any late payment entries that can not be fully validated.

Company response to consumer: Closed with non-monetary relief