vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-09-25 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: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank sent me an irregular, XXXX, Extremely Urgent, NEXT DAY DELIVERY, that contained 25 pages, dated XX/XX/year>. The packet cover letter said Re : XXXX letter. I received this mailing on XX/XX/year> XXXX, at my door step. This letter was not included in the CFPB Complaint # XXXX response on XX/XX/year>, although it was dated XX/XX/year> This packet was the only current information and should have been submitted to the CFPB before closing the complaint on XX/XX/year>. The response submitted by U.S. Bank on the XXXX, included recycled and outdated information, sidestepping the CFPB on this mailing. See Attachment 1 for complete information and Attachment 2, parts 1, 2 and 3, for scanned images of the XX/XX/year> " XXXX letter. '' This complaint is being entered by XXXX XXXX on XXXX at starting at XXXX XXXX  and submitting at XXXX XXXX Pacific Time.

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 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I received a grant from XXXX  XXXX XXXX XXXX  XXXX ( XXXX  ) to pay off my Mohela Private  loans. On XX/XX/year>, the grant funds were erroneously sent to Mohela Federal ( where I have no outstanding loans ). Despite frequent calls to rectify the situation, the funds have not been returned to XXXX or forwarded to my correct loan department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I leased an apartment at XXXX XXXX XXXX and vacated on the lease end date, XX/XX/XXXX. The landlords final invoice showed XXXX months rent due ( {$1500.00} ) plus an Insufficient Notice Fee of {$1500.00}. Under Maryland XXXX XXXX XXXX ( d ) ( XXXX ), this penalty is unenforceable because my lease did not contain the required boldface or separate initials.

The 60-day notice requirement is found in Paragraph 3 ( Lease Term / Renewal ) and repeated in Paragraph 44 ( Move-Out Notice ) of the lease. While I signed above Paragraph 3 to acknowledge the lease term, I was not required to initial or separately acknowledge the renewal/notice clause below it. The renewal language is buried in standard boilerplate, not bolded, and was never separately signed or highlighted to me. 

I disputed the account with Experian in XX/XX/XXXX, but they verified it without proper documentation. I also sent FCO a certified debt validation letter to the address listed for them on my Experian credit report, and it was returned to sender. They can not claim the letter was misaddressed because I used the contact address they provided to the bureau.

FCO has repeatedly provided canned responses and made resolution difficult because I require all communication in writing and refuse phone calls for record-keeping.

By failing to provide proper validation, refusing certified mail, and continuing to report the inflated balance, FCO is violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report. The account listed under Central Research INCXXXX is incorrect and has inaccurate information. This account has no late payments as I have a deferment until XX/XX/year> and I have contacted the business multiple times to let them know. 
* They have not provided any contract or additional information regarding a signed contract or agreement with Central Research INCXXXX XXXX * This error is negatively affecting my credit and is not a true reflection of my credit history. I request that this information be investigated and corrected or removed as required under the Fair Credit Reporting Act. I am filing a complaint with both the XXXX  and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kora Financial
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Kora Financial XXXX ( Westbon Inc. ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX Re : Dispute & Pre-Lawsuit Notice Sham Investigation, Unlawful Debt Transfer, and FCRA/UCC Violations To Whom It May Concern : I am writing to formally dispute the account originally reported by Kora Financial XXXX XXXX 

On XX/XX/XXXX, your office issued a letter to me stating that my account was closed with XXXX XXXX XXXX on XX/XX/XXXX and transferred to XXXX on XX/XX/XXXX. However, the trade line was deletednot closedwhich means you relinquished all ownership and rights. Despite this, you continue to claim the account is valid. Selling my debt and personal information to multiple agencies without my authorization is unlawful and misleading. 

Your own written admission proves : You no longer own this account. 
You transferred/sold the account to third-party agencies. 
The tradeline deletion invalidates your closed account claim. 

Legal Grounds 1. Sham Investigations Your letter references a verification process, yet no supporting documentation was provided. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681i.

2. Charge-Offs An account may only be charged off once upon closure under 15 U.S.C. 1681. Re-aging or re-reporting is illegal. 
XXXX. Debt Ownership/Securitization Provide the following : Proof of debt ownership & securitization records Purchase agreements & transfer/trust assignments Flow agreements & bills of sale Insurance claims & account-level documentation Last billing statement & full chain of assignment Proof that XXXX  and XXXX  are licensed and bonded in Tennessee 4. Late Payments Under 15 U.S.C. 1666b, 1637b, and 1681s-2 ( a ) ( 7 ), no late payments may be reported on closed or deleted accounts.

5. Consumer Law/Data Breach Transferring my debt and information to multiple entities without valid ownership constitutes unlawful dissemination of consumer data. 

Demand I demand that you : Provide the full documentation listed above. 
Permanently delete this account and all related reporting. 
Cease any further transfer, sale, or dissemination of my personal information. 

Notice of Intent to Sue This is your final notice. If you fail to comply, I will retain an attorney and pursue litigation/arbitration for damages. Each violation carries {$1000.00} in statutory damages plus monetary relief under the FCRA, UCC, and other consumer laws. 

Kora Financial has already demonstrated misconduct by failing to properly investigate, misrepresenting account closure, and unlawfully transferring my debt. Consider this letter a pre-lawsuit notice of intent to sue. 

Sincerely, XXXX XXXX XXXX Digits of XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I made a payment to my {$100.00} Capital One card, the payment was deducted from my  XXXX XXXX XXXX account, and Capital One says it did not receive the money. Then he asked me to support the transaction with a letter from my bank and I did, and the answer from Capital One is that they did not receive the money either, and XXXX XXXX XXXX did not receive it back, so the money was lost and nobody responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and misleading information reported by several financial institutions on my credit file, which has caused significant distress and potential harm to my financial reputation. I request immediate investigation and resolution of the following issues : Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Not my address Inaccurate Account Reporting : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, reported as Charge Off with {$460.00} balance. This information is inaccurate and must be corrected. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, reported Late Payment with {$0.00} balance twice. These entries are false. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, reported Late Payment with {$0.00} balance. This is incorrect. 

Unauthorized or Questionable Credit Inquiries : XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 

These inaccurate entries are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and creditors to report accurate information. I demand that all incorrect information be investigated, corrected, or removed immediately. 

Enclosed with this letter are supporting documents verifying my correct addresses and account information. Please update my credit report to reflect accurate information and notify me of the results of your investigation.

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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} 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, 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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: PA

Complaint narrative:
The car was placed in the shop. The XXXX shop for a vandalization claim which my insurance company was paying for recall to check on the status of the vehicle. I was informed that I was they were not allowed to give out any information to me in reference to the car That I need to get in contact with the loan company .. the police report was filed. The car was stolen from my insurance company to my home to the XXXX dealership for repairs. My insurance company even issued them a payout check. The car even had gap insurance placed on it.

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 2025-09-26 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: CA

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 : XXXXXXXX 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 XXXXXX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} 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 2025-09-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding unfair billing and collections practices by the XXXX  XXXX XXXX XXXX. 

1. Collections Notice : I recently received a letter stating that I owe tuition, but the charges are unclear and inconsistent. I was told I had to pay tuition, then told I did not. This left me confused about the total bill.

2. Program Fee Misrepresentation : I applied to the XXXX program, which had only XXXX seats for over XXXX applicants. The school informed us that we were not guaranteed an interview but still required a {$45.00} program fee. I feel this fee was unfairly charged since there was no assurance of being considered for the program. 

3. Credits Not Transferable : The credits I earned at the school are not transferable to any other college. This leaves me with debt but no usable academic progress.

4. Lack of Response : I have tried multiple times to reach someone at the school by phone and email, but my calls and messages were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 am submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided EQUIFAX with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EQUIFAX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores EQUIFAX 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XXXX XXXX ss XXXX request for account blocking and deletion due to data breach Dear experian, equifax and transunion team i am writing you formally requesting that the blockage and deletion all of accounts, inquiries associated with my personal information due to recent data breach. XXXX XXXX XXXX ( loan ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( inquiry ) this request is made in accordance with several provisions of the fair credit reporting act.15 usc 1681c-2 ( a ) ,15usc 1681i,15 usc 1681e ( b0,15usc1681m,15 usc 1681n. please confirm these reciept of this letter and provide written confirmation of the action taken regarding my accounts. additionally, i would appreciaste an update on any measures you are implementing to protect my personal information. Thank you i look forward to you response 4 days.

Company response to consumer: Closed with non-monetary relief