vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
Violation of FCRA Inaccurate Student Loan Reporting, Dispute Ignored, and Severe Score Drop Complaint Text : I am filing this complaint because of a long-standing issue with a student loan account ( XXXX XXXX XXXX ) that was incorrectly reported on my credit report, resulting in damage to both my credit and my son 's. 

In XXXX, I disputed the account ( Dispute # XXXX, filed XX/XX/XXXX ) because it does not belong to me. It is my sons student loan. My dispute was denied, with TransUnion stating that the information was verified as accurate. 

I did not pursue the dispute further at the time because I assumed, as his father and previous legal guardian, I was somehow responsible. 

However, in XX/XX/XXXX, after years of working to repair my credit and finally reaching a credit score above XXXX, this same account was removed from my credit report without notice, and XXXX points were deducted from my TransUnion score. It was then added to my sons credit report which also caused his score to drop by around XXXX points. 

This action removed the oldest positive account on my report, significantly affecting my credit history and score. 

The removal confirms the account never belonged to me, which contradicts the prior dispute denial. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy. 

15 USC 1681i : Failure to properly reinvestigate disputed information. 

I respectfully request that the CFPB investigate : Why the XXXX dispute was denied when the account was later removed. 

Why my credit was penalized with a XXXX drop for the removal of an account that was never mine. 

Whether XXXX and/or XXXX followed proper FCRA guidelines XXXX 

I also request that the CFPB direct the credit reporting agencies and XXXX to : Remove any negative scoring impact caused by this improper reporting. 

Restore my score or provide alternative remediation. 

Ensure this account is never re-added to my credit profile in error. 

Dispute History : Dispute XXXX XXXXXXXX Filed : XX/XX/XXXX Denied : XX/XX/XXXX Dispute reason : Ownership This is not my account ; it belongs to a relative. 

Company Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX XXXX, MA XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint Subject : Formal Complaint Regarding Inaccurate Charge-Off Reporting Capital One Dear CFPB Representative, I am filing a formal complaint regarding a Capital One credit card account that is being reported as a charge-off on my credit reports by one or more of the major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX. I believe this reporting is inaccurate, outdated, and/or unverifiable, and I have not received proper resolution through standard dispute channels. 

Details of the Account : Creditor : Capital One Account Type : Credit Card Status : Charge-Off Account Number : XXXX I attempted to dispute this account with the credit reporting agencies, but it remains on my credit report without adequate documentation or verification provided by Capital One. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the bureaus are required to conduct a reasonable reinvestigation of any disputed item and delete the entry if it can not be verified within 30 days. 

Despite this, the charge-off is still being reported, damaging my credit profile and affecting my ability to secure necessary credit and housing. I am requesting that the CFPB investigate this matter and compel Capital One and the credit bureaus to provide proper documentation or remove this derogatory item from my report. 

What I Am Requesting : A full investigation into Capital Ones reporting practices in this case Proof that the account was lawfully charged off and reported correctly Removal of this account from my credit reports if it can not be verified with proper evidence This account is severely impacting my credit and financial stability. I believe it may be in violation of the FCRA and am seeking your assistance in resolving the matter. 

Please contact me if additional documentation is needed. I appreciate your help in ensuring my consumer rights are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint because my credit report shows a XXXX delinquency from MOHELA during a period I was on active XXXX XXXX  military service. I had no/limited phone access during certain periods/months and was not able to make payments. 
Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to protections that should prevent negative reporting during my XXXX XXXX status. Despite submitting my military orders and requesting a military deferment, MOHELA has not removed this delinquency. 
This delinquency has caused a severe drop in my credit score ( from the XXXXs to XXXX  ), which is affecting my financial well-being and opportunities. 
I respectfully request that MOHELA fully delete this delinquency from my credit report on all three major credit bureaus ( XXXX, XXXX, XXXX ) in compliance with SCRA and federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00}

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 2025-07-16 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:
I did not open these accounts nor was I aware of their existence. Kindly remove them from my credit report within XXXX  days in line with USC 1681g. See attached documentation.

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 2025-07-16 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

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 2025-07-16 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:
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.

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 2025-07-16 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My commenity bank Meijer card was cloned and the account was closed. The card did not have the security chip and was copied by an unknow party. The account was closed by Meijer but subsequently bought by XXXX XXXX XXXX. They are unwilling to listen to me after several letters and calls. A judgement was placed against me that I had no knowledge of in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I set-up a scheduled car loan payment, Friday, XX/XX/XXXX, of {$570.00} to Truist from my XXXX XXXX checking account. Truist took this money prematurely on XX/XX/year>. They were supposed to take the money Friday, XX/XX/XXXX. After being given the runaround for an hour, the last Truist rep that called me, stated she saw it was taken too soon, but it was nothing they could do about it. This is the SECOND time this has happened.

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 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
MrCooper is the loan servicer and XXXX I filed a request of FCRA disclosure from MrCooper I am filing this complaint because Mr. Cooper has failed to comply with my rights under the Fair Credit Reporting Act ( FCRA ) to receive the specific, factual reasons for my credit denial as a single signer on a loan assumption for my property, which I was contractually required to sell or refinance post-divorce. 

Despite providing strong financial documentation, I was told I needed a co-signer, but no clear written explanation was ever given for why I did not qualify as a sole signer. Instead, Mr. Cooper has claimed that some information is proprietary, while still refusing to disclose the specific underwriting factors and any surrounding circumstances that directly impacted my application outcome. 

Additionally, there is evidence that third parties specifically my ex-spouse, XXXX made multiple calls to the lender with accusations of fraud and other negative claims, which likely interfered with my creditworthiness evaluation. Mr. Cooper has acknowledged that these calls occurred but refuses to provide any underlying notes, memos, or internal communications showing how these allegations factored into my application denial. 

To further complicate the situation, the loan originator, XXXX XXXX, is a known co-worker of my ex-spouse. This conflict of interest raises serious concerns that the process may have been tainted or improperly influenced. 

Not providing this information severely inhibits my ability to protect myself in court. I am actively navigating legal proceedings tied to my divorce and this loan assumption, and the underlying decision-making and internal records are critical evidence for any future legal action. Without the full documentation, I am deprived of the ability to challenge the fairness and validity of the lenders actions. 

I am requesting that the CFPB require Mr. Cooper to provide : A clear, factual statement of the principal reasons for my single-signer denial, as required by the FCRA. 

Any relevant internal notes, communications, or memos reflecting how third-party calls or allegations impacted my file. 

Full documentation of any communications or influence by parties with a direct conflict of interest in this transaction. 

This information is necessary for me to protect my rights, pursue any legal recourse if appropriate, and ensure I am not unfairly penalized for interference or bad faith by other parties. 

Thank you for your assistance in ensuring my legal rights as a consumer are upheld. 
Their contact Email XXXX XXXX

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 2025-07-16 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:
These accounts are fraudulent and were created without my involvement. I request their removal from my credit file under USC 1681g within 15 days. Evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Remove me as an authorized user on the account and stop reporting me. I never gave consent to report. I am not and are not responsible for this account.

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 2025-07-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I opened a synchrony home credit card to purchase a sleep number bed in XX/XX/XXXX. Made my payments on time all the time. Then in XX/XX/XXXX I noticed my monthly payment went up. I called in XXXX of XXXX in which I found out there was a charge of XXXX $ that I didnt make. They opened a fraud claim for me and told me to stop making payments until the investigation was completed. here it is XX/XX/XXXX. I have to call monthly and each time I call they say they can not find the {$890.00} on my account in which when I talk to the representative that files a claim they are able to see it so now I have tons of interest on my synchrony home account in which I no longer having access to you cause they shut it down, and they shut down my CareCredit account in which I needed so desperately for my dogs. I called again today. They also shut down the claim and told me I needed to wait for another 60 days when my interest is just piling up. I just want to know what my balance is because I know I did not make that purchase and nobody is helping me. I also want my care credit card. Opened again please help 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