vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 168
1g, which entitles me to accurate and complete information about my file.

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 2025-10-08 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-10-08 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I saw that money was transferred from my savings account, which was part of my rent money. Afterwards XXXX transactions were sent to a person I don't know named XXXX XXXX for the amounts of {$240.00}, {$50.00} & {$50.00}. I immediately called my bank Capitol One to dispute this and called in to check in. I was told I would be sent an email to provide more information and had a representative tell me that I would get a provisional credit since it was part of my rent money. I received neither the provisional credit or an email. I called again on XXXX and was told my claim was denied. I never got to submit any evidence or my credit to pay for my rent money so I now had to be late on rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LEXISNEXIS
State: TN

Complaint narrative:
Dispute Statement for Veteran with Federally Protected Benefits I am disputing the accuracy and completeness of the reporting on my credit profile under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). The accounts being reported with late payments, charge-offs, or collections are inaccurate and misleading for the following reasons : Federal Protection of Veteran Benefits My income consists of federally protected veteran benefits, governed by 38 U.S.C. 5301. These funds are exempt from levy, garnishment, assignment, or seizure. Any attempt to collect or enforce debts through these benefits is unlawful.

Assignments and Collections are Prohibited When an account is charged off, assigned, or transferred to a third party, it implies a right of collection. Since federal law prohibits assignment or levy against my veteran benefits, any reporting that suggests these accounts remain legally collectible is inaccurate. 
XXXX XXXX XXXX is XXXX XXXX late payments suggests a continuing enforceable obligation against me. However, because my payments derive solely from federally exempt benefits, portraying these accounts as delinquent or enforceable misrepresents the true legal status of the debt. 
For these reasons, the reporting of late payments, charge-offs, or collections on my credit file is inaccurate, incomplete, and misleading in violation of the FCRA. I am requesting deletion of these tradelines to ensure my credit report reflects only accurate and legally valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I signed a lease with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL. The leasing office told me I had XXXX hours to cancel with no penalty. Within that window I called and canceled, and a staff member confirmed it would be processed. 

I never moved in, never received keys, and was never billed or contacted by the complex after that. Over a year later, I was contacted by a collection agency claiming I owed around {$7000.00} in rent. I never received any written notice or opportunity to resolve this before it went to collections. 

I believe this debt is invalid because I canceled before move-in and was told my lease was void. I am requesting full validation of the debt and removal of this item from collections and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
For XXXX years already since XX/XX/year> I have been disputing a charge from XXXX for {$110.00} and Goldman Sachs bots and AI continue to deny my claim even with valid factual evidence that it should be ruled in my favor. The dispute is already XXXX XXXX XXXX but the AI dispute team unreasonably and mistankly continue to deny my claim. Not only this claim but many claims I have submitted over the years. I have submitted letters and evidence to support my claims in the past to come again to the same conclusion that my claim has been denied. I have never gotten any evidence from the bank on supporting documents on how they arrived at their conclusion. But this happens with all my disputes even with claims where the evidence is factual and clear that it should be ruled in my favor. I have reopened this claim with Goldman Sachs and submitted new evidence just to be surprised 3 months later that my claim has been closed again. I have probably reopened this same dispute about XXXX times. It is getting tiring and annoying that AI or bots resolving my claims are not doing it right. In 2023 the Consumer Financial Protection Bureau was investigating Goldman Sachs with it's credit card practices, including how the bank resolved billing disputes and refunded cardholders. This issue with this Apple card has been going on for years. Those probes continue. I want all my disputes resolved in my favor or I will have to close this card. I can not submit anymore additional evidence since all evidence has already been submitted numerous times. I can not come up or make up new evidence. These are clear cut disputes that should be ruled in my favor but your AI chat keeps confusing everything and denying my claims. Please see attached evidence and clips and screenshots from The XXXX XXXX XXXX investigating Goldman Sachs violations. If no resolution is made then I will continue to file a complaint every month after all my claims have been resolved in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-08 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: TN

Complaint narrative:
I have submitted my application for income-based repayment ( IBR ) for all three of my loans, and I have not received any notification of processing. 

I am currently being asked to pay money on my loans, despite not yet receiving confirmation that my loan plan has been changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP
State: ME

Complaint narrative:
I currently have a VA XXXX mortgage with XXXX Bank.i applied for a HELOC with them on XX/XX/XXXX. I worked with someone for XXXX weeks providing documentation to support this request. on XX/XX/XXXX I had an appraisal done. On XX/XX/XXXX US Bank called and told me they canceled my appraisal results and told me they were unable to provide me with a home equity loan due to me having a manufactured home. They offered me the option of doing a cash out refinance and I began that process on XX/XX/XXXX. On XX/XX/XXXX, they requested that the initial company do the appraisal again that way they only had to issue the report. Despite the appraisal already being done on XX/XX/XXXX I now had to pay {$600.00} to get the final report. It took until XX/XX/XXXX to get a copy of the final appraisal. Where the appraisal said I had a manufactured home. It was then determined that they needed to receive additional documentation regarding a title surrender by researching a VIN number. I explained that my home never had a VIN number that it was built in a fixed to a foundation when it was built in the XXXX. They determined that theyre needed to be further research on that and it is taken until XX/XX/XXXX for them to come back and tell me that they are not allowed to do mortgage loans in the state of Maine for manufactured homes. My home is not fixed to a steel chassis therefore by definition it is not a manufactured home. It is a modular home. The VA also does not give loans to manufactured homes that are not considered real property.. I was told on XX/XX/XXXX that a exception was being submitted to the risk department and I would hear back by the end of the day on XX/XX/XXXX. Ive tried reaching out to several employees on XX/XX/XXXX and no one is returning my call. I am extremely frustrated, disappointed, and disgusted with how theyre running their business. I have spent XXXX weeks trying to obtain a loan and I can not even get any certainty if I can move forward or if I need to seek business elsewhere. 
When I explained that these are things that shouldve been brought to the attention in the first few days of trying to get alone, not having it take XXXX weeks for each encounter. The employee informed me that it was his oversight, and this is something that he shouldve known.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Skylight Lending, LLC
State: OK

Complaint narrative:
Good evening, I am currently in the process of getting my VA home loan refinanced. On XX/XX/year> my loan XXXX told me the escrow company had contacted her stating there was a lien on the property pertaining to a loan for solar panels installed on the property. My loan XXXX asked me to contact Skylight XXXX and ask if they would provide a temporary XXXX release for 15 days so the refinance could be funded and closed as the XXXX is the only thing holding up the refinance from being completed. On XX/XX/year> I contacted Skylight Lending at XXXX, spoke to XXXX ( XXXX ), and asked if they would provide a temporary XXXX release so my home could be refinanced. XXXX stated Skylight XXXX would not release the lien until the loan was pain in full. I forwarded this information to my loan XXXX who then got in contact with the escrow processor working on my refinance. The escrow processor and my loan XXXX emailed Skylight XXXX explaining that my home can not be refinanced with the solar panel XXXX in place and asked if they would temporarily release the XXXX for 15 days or make an exception to allow for funding then stated the XXXX would be placed back on the property once complete. Skylight XXXX refused. My loan XXXX says they have done this multiple times in the past, even this week, without issue with other solar lenders and she does not understand why Skylight XXXX would not offer the same service or courtesy. As of right now, I am unable to get my home refinanced due to Skylight XXXX not providing a temporary XXXX release. As a matter of fact, I couldn't ever sell my home if I wanted to until the loan is paid off fist. When we purchased the solar panels we asked what would happen if we decided to sell the home and we were told the solar panel loan could be transferred to the new buyer. I now know that this is not the case and either myself or the new buyer would have to pay off the loan prior to selling our home. If we were told this during the purchasing process instead of being lied to, we would not have made the purchase in the first place. The solar panel loan is approx. $ XXXX with a XXXX or 25 year term, I can not recall the specifics, but I was never told that it had to be paid off prior to selling or refinancing. It makes no sense nor is it feasible to pay off a $ XXXX loan in order to save a few XXXX dollars a month after getting a refinanced. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-08 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WI

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX froze my account due to a fraud investigation on a check that was deposited into my account. I had a direct deposit put into my account by my employer as well and they have told me I am not able to come into a branch to obtain my funds. They said the investigation is still open and can take up to another XXXX business days to close. The case has already been open since XX/XX/year> and then I will receive my funds in the mail in XXXX weeks. They are not allowing me access to my funds that have nothing to do with the investigation. I asked bare minimum to get a letter specifying their timelines so that I can avoid eviction. They stated them telling me on the phone on a recorded line was sufficient. No customer support has been provided throughout this process. They shouldn't be allowed to hold funds that belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief