vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX XXXX ( XXXX ) To Whom It May Concern, I am formally disputing the XXXX XXXX account ( Account # : XXXX ) listed on my Experian credit report, showing XXXX potentially negative months. This reporting is grossly inaccurate and violates FCRA XXXX07, 609, 611, and 623. 
Further, this account lists fraudulent addresses that are not associated with me. My only valid address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Any other addresses reported are fraudulent and must be deleted immediately. Reporting these addresses constitutes identity misrepresentation and potential identity theft, in violation of FCRA and Metro 2 standards.

The account shows continuous charge-offs ( CO ) across 80 months, including time periods prior to my association or authorization. Such reporting is factually impossible. Additionally, I did not authorize or open this account, and I may have been at risk due to the XXXX  Wells Fargo data breach. 

I demand XXXX  and Wells Fargo provide complete verification, including : Original signed application or contract showing I opened this account All payment history in full detail Any documents showing my liability for this account Until verifiable proof is provided, this account must be blocked, marked as fraudulent, or removed entirely. Continued reporting without validation is a willful violation of the FCRA. 

Sincerely, 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 2025-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
MOHELA confirms that a payment I made on XX/XX/XXXX NSLDS reference # XXXX dated XX/XX/XXXX was transmitted ti the US Department of Education, Federal Student Aid ( FSA ) in order for that payment to be counted under my Public Service Loan Forgiveness ( PSLF ).

I have sent this information three times to FSA to no avail. I have also tried to escalate this issue to the Ombudsman to no avail. 

Please have someone at XXXX look into the XX/XX/XXXX payment and adjust my payment count to XXXX.

Company response to consumer: In progress
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-09 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: TX

Complaint narrative:
XXXX'I previously mailed a written dispute and debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was received on XXXX XXXX XXXX  (Certified Mail Tracking XXXX XXXX XXXX XXXX XXXX XXXX). The letter requested full validation under the Fair Debt Collection Practices Act (15 U.S.C.  1692g) and Fair Credit Reporting Act (15 U.S.C.  1681s-2), including copies of the original signed agreement, chain of assignment, proof of ownership, and verification of the current balanceXXXXAs of my Experian credit report dated XXXX XXXX XXXX XXXX XXXX continues to report this account as an active collection account for XXXX No validation materials or supporting documentation have ever been receivedXXXXThis continued reporting without providing validation violates:XXXXFDCPA  1692g(b)  continuing collection activity without providing verification;XXXXFCRA  1681s-2(b)  failing to reasonably investigate after receipt of a consumer dispute; and\n\nTexas Finance Code '

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I am writing to report a serious and ongoing issue with accessing my online account at MOHELA. 
On XX/XX/year>, I successfully logged into my account using my established credentials to submit an application for Borrower Defense to Repayment and to apply for forbearance. Since that date, however, I have been unable to log back in to check the status of my applications or review my account information. 
I have attempted to log in and verify my identity on multiple occasions, specifically on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each time, the website has failed to recognize me as an account holder when I attempt to verify my credentials with my date of birth and Social Security number. 
Furthermore, on XX/XX/year>, I attempted to reach a representative by phone multiple times but was only met with an automated message instructing me to use the website. As I am unable to log in, I can not use the secure messaging system to submit a help request as required. 
This has prevented me from monitoring the status of my pending applications and is impeding my ability to manage my student loan account. I request your immediate assistance in resolving this critical access issue.

Company response to consumer: In progress
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'Urgent: Immediate Resolution Required  Unauthorized Reversal of Funds by Capital OneXXXXHello,XXXXI am reporting an urgent issue with Capital One regarding a transaction on my accountXXXX XXXX XXXX, I purchased an item from XXXX XXXX XXXX XXXX XXXX Capital One returned the funds to my accountXXXX XXXX XXXX Capital One withdrew the funds again without my authorization.XXXXI have contacted Capital One multiple times, but they have failed to return the funds and are not providing assistance.XXXXThis situation is unacceptable. I request immediate restoration of the XXXX to my account and guidance on preventing any further unauthorized withdrawals.XXXXXXXXThank you for your prompt attention to this matter.\XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX through Westlake Financial. The vehicle was repossessed, but I contacted Westlake immediately to reinstate my loan. I was told by multiple representatives that if I paid the required balance, my loan would be reinstated and I could recover my vehicle. 
On XX/XX/XXXX, I paid {$850.00} ( {$420.00} repossession fee and $ 420 monthly payment ) as instructed. I was informed that my account had been reinstated after that payment was made. 
Later, I discovered that Westlake had already sold the vehicle before accepting my reinstatement payment. Despite this, they accepted my money and continued to tell me that my vehicle could be returned.

Since then, Westlake has provided inconsistent and conflicting information about the vehicles status. Some representatives said my loan is still active. Others stated that the car was sold. 
Most recently, I was told that the vehicle is under review and lost in transport. 
At this time, I have no vehicle, no refund, and no written explanation of where my vehicle is or why payment was taken after the sale. This has caused significant financial hardship and inconvenience, including loss of employment opportunities due to lack of transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-09 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:
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 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding an inaccurate eviction record that continues to appear on my credit reports with XXXX XXXX XXXX 

The eviction case in questionCase No. XXXX, filed in the State of Tennesseewas dismissed without prejudice on XX/XX/year> and expires one year from that date. I have attached a certified copy of the court judgment confirming this dismissal. Despite this, XXXX XXXX XXXX  have failed to removethe record from my credit reports and further investigate even after I submitted disputes with supporting documentation. In contrast, XXXX  has already removed the item following their investigation.The debt collector ( COLUMBIA DEBT RECOVERYLLC/ GENESIS/XXXX ) refused to delete it from my report as well when i tried to dispute it with supporting documents. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and verifiable information. The continued presence of this dismissed eviction is causing harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate XXXX XXXX XXXX handling of this dispute, and that the FTC review this matter for potential violations of consumer protection laws. 

Attached are the following documents : - Certified court dismissal ( Case No. XXXX, Tennessee ) - Copy of my credit reports showing the disputed eviction - Confirmation of removal from XXXX - Identity and address verification documents Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-09 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 have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have XXXX charges on my chime card that I did not make or authorize. XXXX for {$520.00} for a transfer to XXXX XXXX XXXX XXXX. The other for a XXXX  website {$49.00}. These were I believe made on XX/XX/XXXX. I called Chime customer service the same day and was told to file dispute which I did. I heard nothing back and called again XX/XX/XXXX. I was given the runaround and told to check my email and nothing was sent. I called back a few min later and told them I had no email from them and wanted a reason why it was denied. They gave no reason and said to wait for email. I asked for a supervisor and was told same thing. This money was most of my check that I need for bills. I told them I needed this money back. I cancelled card and changed my paycheck to a paper check. Please help! Chime customer service is no help at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I requested several accounts and an address to be removed from my credit which they refused

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 2025-10-09 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: TX

Complaint narrative:
Thats not an accurate portrayal of my financial stance.

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 2025-10-09 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: ND

Complaint narrative:
I had a student loan appear on my credit report for {$620.00} from the united states department of education and it was sent to collections for late payment. Although I've never applied for any student loans

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 2025-10-09 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
During XXXX I was asked to return phones that was under my insurance claims! I returned the phones at our local post office and I called to see if XXXX received the items they stated no one is in the warehouse but my phones was received! Couple weeks went by they say they wasnt received and cut my lines off and billed me XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WV

Complaint narrative:
I had a random charge I did not make hit my account from XXXX XXXX for a membership renewal. I do not have nor have I ever had a XXXX XXXX membership nor do I shop at XXXX. I tried to dispute through chime who denied my claim and over drafted my account from the charge. Chime stated I did not have any evidence to prove my claim but I cant have evidence that I do not have an account with XXXX since I do not have an account.

Company response to consumer: Closed with explanation