vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding account number XXXX, which is being reported as a charge-off on all three major credit bureaus. 

This account is not only inaccurate, but it has caused ongoing damage to my financial lifefrom interest rate hikes to credit denials. Despite my previous request for validation of the debt, XXXX XXXX failed to produce any supporting documentation. 

Furthermore, there is a serious inconsistency across all XXXX credit bureaus : The Date Last Active varies wildly ( XX/XX/year> on Experian vs. XXXX elsewhere ). 
This appears to be an attempt to re-age the account in violation of FCRA 605 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

This account has sat on my report for years without resolution, and its continued presence is based on false, outdated, or unverifiable data. It is unacceptable for a financial institution to report this type of derogatory tradeline without accountability or consistency.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting closed accounts with {$0.00} balance and 0 late payments on the initial section of my credit report. However when I click details on each account my credit report shows something completely and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX  the XXXX accessed the system without my consent or authorization. And in XXXX {$3700.00} was claim to have been offered to me for student aid. I never received these funds. These monies for this supposedly claim is being looked into by. I did speak to a female representative from this institution and she did offer me an opportunity to study and earn a degree in the arts department which at the time I told the representative that I was a young father with young children who didnt have time to study and raise my family. I got a bill for this loan and it remains on my credit report. The institution was under investigation for fraud. Since that was one of the reasons, Im looking to get this issue resolved. Im in a borrower defense program to try and get this situation resolved. I was looking for information on how to deal with this matter when I stumble on a video advising me and others such as myself on how to go about getting this issue resolved and so Im reaching out in hope to have this removed from my credit report and be able to get on with life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Be in charge interest fees the accountant is paid off and switch to another company. Dont understand why interest fees are being added on to XXXX and XXXX XXXX would like this to be looked into theres accounts that have been paid off. They stated they were going to send me a letter and they were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2025-07-13 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
individuals gained access to my computer and my phone, where they sent unauthorized XXXX payments from my Capital One account to themselves. I was under duress and did not realize they had initiated a transfer. While the transfer may have originated from a familiar IP address, that does not mean I was in control or gave informed consent. 

I reported this to Capital One, but the claim was denied, with the justification that my login was recognized. That ignores the broader context of coercion and fraud. Furthermore, these same individuals attempted fraudulent purchases using my Capital One credit card. I have multiple Capital One accounts, and I have been a long-time customer, but this response has been disappointing. 

If this XXXX case is not reopened and resolved with a full reimbursement, I plan to close all my Capital One accounts, including banking and credit cards, and take my business elsewhere. Date was XX/XX/XXXX and the amount was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
On XX/XX/2025, I mailed a certified dispute letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, requesting validation and investigation of a tradeline appearing on my TransUnion credit report. 

As of today, XXXX XXXX has failed to respond in any form, which violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 8 ) ). A creditor must conduct a reasonable investigation when a consumer formally disputes an item. 

The account is still being reported to TransUnion, despite the lack of validation, no supporting documentation, and no acknowledgment of my dispute. 

This conduct is damaging to my credit profile and represents negligent or willful noncompliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-13 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: AZ

Complaint narrative:
My federal student loans were sold to MOHELA and in XXXX of XXXX I set up an auto deduction payment of {$88.00} to be paid to MOHELA. The money was withdrawn from my bank account every month but no credit was shown on my account. When I would to log into my account there was no record of the payment or the auto payment set up, even when logging in from the link in the email receipts I received for the payments made. When I would log in from the email receipts it would bring me to the account where no auto payment was set up so I was never able to cancel the auto payment. I concurrently received emails from MOHELA stating my account was past due. This went on from XXXX of XXXX until XXXX of XXXX when I decided to close my bank account to stop the auto deductions to MOHELA. During this time I reached out to MOHELA customer service by email and never heard back, and called many times to the customer service line and never was able to reach a representative even after waiting on hold for hours. 

Because my payments were never showing as credits to my account I never made an effort to pay more due to fear those payments would also not show up, resulting in loss of funds and continued reports of delinquency from MOHELA. At this time my MOHELA loans all show as XXXX days delinquent. 

My accounts have been reported to the credit bureaus and my exceptional credit score of XXXX has dropped to XXXX. I don't have to tell you how devastating that is when trying to get approved to purchase property, something my husband and I have been planning for, saving for and working to improve our credit for. 

I have attached my bank statements from XX/XX/XXXX until XXXX of XXXX showing the debit of {$88.00} every month to MOHELA. 

My Maiden name is XXXX XXXX, my married name is XXXX XXXX. My MOHELA account shows my maiden name.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Experian , and Equifax credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting act, a inaccurate a account that was already deleted include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/year> Shows 8 late payments This was already removed once in the case of identity thief! It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX Bought debt on XX/XX/XXXX ( illegal ) according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). & 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agett onto ncy can not furnish a account without my written instructions All the accounts are falsely on my Experian, XXXX XXXX and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting XXXX XXXX XXXX can not furnish a account without my written instructi
ons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells fargo claims I still owe them because of covid and I don't.

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 2025-07-13 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Sunday, XX/XX/XXXX I received a copy of my credit report and am writing to dispute the following information that appears on all other reports as well as my XXXX report. 

Please verify or remove immediately the following accounts : Lvnv Funding Llc XXXX XXXXXXXX Please remove immediately as it violated my privacy as per the FCRA ACT section 1681g.

Please remove this inaccurate information from my credit report. 

Lvnv Funding Llc XXXX XXXX  Please remove immediately as it violated my privacy as per the FCRA Act section 1681g.

Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the following inaccurate information that appears on my credit report regarding the account listed below. I request that this account be deleted from my credit report, as it contains significant errors that violate my rights under the Fair Credit Reporting Act ( FCRA ).

Disputed Account Information : 1. Account Name : XXXX XXXX XXXX  Account Number : [ Insert account number from your credit report ] Reported as : Charge-off, past due amount of {$560.00} as of XX/XX/XXXX Dispute Reason : The past due amount shows a future date ( XX/XX/XXXX ), which is not accurate. Charge-offs are reported based on past-due information, and a future date can not reflect the status of this account. This must be a clerical error.

2. Payment History Showing Multiple " CO '' ( Charge-Off ) Entries : Reported as : " CO '' ( Charge-Off ) for months from XXXX to XX/XX/XXXX Dispute Reason : The account shows " CO '' ( Charge-Off ) for several months, but a charge-off can only occur once, and it should not be reported repeatedly for multiple months. If the account was paid or is being inaccurately marked as a charge-off, I request that these incorrect entries be removed.

3. Past Due Entries for XXXX and XXXX : Reported as : Past due 30 days, 60 days, and 90 days for months in XXXX and XXXX Dispute Reason : These entries are not accurate. I have supporting documentation showing payments made on time for these months. If these months are marked incorrectly as past due, I request that they be corrected or removed from my credit report.

4. Account Opening Date and Charge-Off Status : Reported as : Date opened XX/XX/XXXX with charge-off status Dispute Reason : The " Date Opened '' and the " Charge-Off '' status may be incorrect. Based on my records, the account may not have been opened on this date, or the charge-off status may have been prematurely reported. I request a review and correction of these details.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: OH

Complaint narrative:
My cash app has been hacked for several months my purs was stolen with my phone in it social security cards bank card I have been trying to get cash app to close the account with no success just recently mone was stold off my XXXX XXXX which was connected to the account by just adding it on the cash app site. I just wany the account XXXX XXXX closed XXXX and canc all my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
Re : Account Name : XXXX XXXX Account # XXXX Amount : {$2200.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Account Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) XXXX and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
Re : Account Name : XXXX XXXX Account # XXXX Amount : {$2200.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Account Pursuant to 15 U.S.C. 1681e & 1681i This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681e which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and 15 U.S. Code 1681i which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information.

Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law.

Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required 30-day period, as mandated by federal law.

Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

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