vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit file by Experian. 

I identified a tradeline on my credit report with XXXX XXXX that reported inconsistent and inaccurate dates across all three credit bureaus ( XXXX, Equifax, and Experian ). The date of first delinquency, last payment date, and/or account status differed across the reports, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Upon initiating a dispute : XXXX immediately investigated and deleted the account from my credit file, suggesting the information was unverifiable or inaccurate. 
Experian only updated the dates to match XXXX another Equifax, but these dates were still not accurate and not verified with me. 
The account continues to reflect inconsistent, inaccurate, and potentially misleading information. 

I believe this is a violation of : FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly investigate a dispute ; FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy ; FCRA 602 ( A ) Right to fair and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a lawful request for a security freeze to Clarity Services , Inc. through the CFPB portal. My submission included all necessary identity verification : drivers license, Social Security card, and a recent utility bill. I clearly cited FCRA 605A ( 15 U.S. Code 1681c-1 ) and requested electronic-only communication due to prior identity theft concerns tied to postal mail. 

Clarity responded by falsely claiming the request was an unauthorized " dispute '' and refused to take any action. They then tried to shift responsibility back to me to re-submit the same request by mail or phone, which is not required by law. Their response was both dismissive and misleading. No freeze was placed, no action was taken, and no explanation was provided that aligns with the law.

This is a clear violation of federal law, as Clarity was obligated to place the freeze within 1 business day of an electronic request or 3 days of written receipt. Their attempt to delay or reroute the process is an unlawful stall tactic.

I am now submitting this follow-up complaint because Clarity Services failed to meet their legal obligations, and the original case was improperly closed by the CFPB despite noncompliance.

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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: NY

Complaint narrative:
Dave is a cash advance company that will pay back what youre able to borrow on your next payday. Supposedly your eligibility changes every 24 hours. But my eligibility changed three times within 24 hours which already is inaccurate based on whats on the site.

So I asked to have this explained to me and they give me the information iff the website that I seen and the reasoning why Im questioning it. That doesnt answer my question at all. Im being told one thing and then something else is happening. 

Then all of these random fees pop up that was never told was would be apart of this. Nothing makes sense with this company and they are already in a lawsuit for their shady practices that I was unaware of. 

They are engaging in deceptive marketing practices to mislead consumers about the availability and cost of cash. Dave is falsely advertising the ability to receive up to {$500.00} instantly with no fees, while rarely offering such amounts and frequently charging undisclosed " tip '' fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Nelnet, Inc.
State: LA

Complaint narrative:
I am filing this complaint due to serious concerns regarding the mismanagement of my student loans, which have been compounded by the Department of Education 's recent data breach. As a borrower, I trusted the federal student loan system to safeguard my personal and financial information. The breach not only compromised that trust but has left borrowers like myself more vulnerable to identity theft, loan errors, and financial instability. In addition, these loans are significantly impacting my ability to move forward in life, particularly when it comes to qualifying for a mortgage. Despite maintaining stable employment and working to improve my credit, my student loan debt continues to be a major barrier. Mortgage lenders have denied me financing due to my student loan balance and the inconsistent reporting by loan servicers. This debt is not only financially crippling, but it is also emotionally draining and preventing me from building a stable future for myself and my family. One major issue I experienced was being automatically opted into receiving loan communications via email instead of paper mail, without my knowledge or consent. As a result, I missed critical updates regarding repayment deadlines, status changes, and servicer updates. This lack of communication caused me to fall behind unintentionally and created confusion around the status of my loans. I never agreed to go paperless, and had I received proper mailed notices, I would have been in a better position to stay informed and avoid unnecessary penalties or credit damage. Ive also dealt with poor communication, misleading guidance, and inconsistent servicing including multiple servicer transfers where essential documentation was lost or delayed. Ive been placed in forbearance or deferment unnecessarily, and my requests for repayment plan adjustments or accurate reporting have been mishandled or ignored. The cumulative result has been long-term damage to my credit, financial well-being, and homeownership goals. Given the Department of Educations failure to protect borrower data, the mishandling of loan servicing, and the harm caused by communication failures, I am formally requesting an investigation into my account and a reconsideration of the legitimacy and enforceability of these loans. I believe loan discharge, forgiveness, or another form of relief is justified based on the misconduct and the substantial harm Ive endured. I respectfully ask that the CFPB advocate for borrowers affected by these systemic failures and hold loan servicers accountable for the barriers they continue to impose on responsible, hard-working individuals like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX  transaction no XXXX. Payment refund is reversed on XX/XX/XXXX by BOFA. It was a scam. XXXX refunded so why is BOFA completing the transaction?????

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing a late payment entry that inaccurately appears on my credit report. I have maintained a flawless record of timely payments on this account, and this reported delinquency is in clear error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

HARD INQUIRIES HARMING 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 XXXXXXXX

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I've been struggling with Mohela for over a year. It is impossible to get someone on the phone. When you call, you wait for 3 hours and the first person you get is unable and unwilling to help and says you need to speak to an " advanced agent ''. They'll go to transfer and will instead disconnect the call. This happens every single time, if I can speak to someone. Otherwise, wait times are 6 hours. If they call me, it's purposefully during business hours/hours that I have told them that I am unable to speak. 
I was on an administrative forbearance. Mohela unilaterally and arbitrarily decided to end that with no warning or reasoning, prior to when it was supposed to end. I started getting invoices with higher amounts due than what I was told I'd receive. The amount on the invoice is a different amount than what is listed on the website. Again, I can't talk to anyone about that because of the long wait times and them disconnecting the call during transfer. 
I am currently enrolled in school, 6 credit hours. They continue to say that I have a past due balance. It's now " Past Due '' more than {$700.00}, according to them. I am supposed to be in deferment due to being enrolled in school.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXXXX XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: IN

Complaint narrative:
Formal Complaint Regarding Unauthorized Account Closures and Request for Refund of Annual Fee ( Case No. XXXX ) On XX/XX/XXXX, several of my credit card accounts with Elan Financial Services, a division of U.S. Bank, were closed without any prior notice or explanation. In the days that followed, I contacted U.S. Bank multiple times to seek clarification regarding the closures. Despite these efforts, no specific or substantiated reason has been provided. Customer service representatives have stated that Elan Financial Services reserves the unilateral right to close accounts and revoke all associated reward points earned through the use of those accounts. 

XXXX of the closed accounts, the U.S. Bank XXXX XXXX XXXX XXXX, carries an annual fee of {$400.00}, which I paid in full. Per discussions with U.S. Bank representatives, I was informed that I may be eligible for a refund ; however, they claimed they are unable to issue it solely because the account is now closed.

It is both reasonable and legally justifiable to expect a refundat minimum a prorated amountof the annual fee paid in advance for a service that was discontinued without my consent or any formal notice. If U.S. Bank collects an annual fee representing 12 months of service, and then terminates that service without customer-initiated cause, the bank should not retain the unearned portion of that fee. Doing so may constitute an unfair and deceptive business practice.

To date, no resolution has been offered, and I have been unable to escalate the matter through any available customer service channels. My case number is 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 2025-07-17 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am filing this complaint against XXXX and Phoenix Recovery Group for their reporting and handling of a collection account totaling {$11000.00}, originally from XXXX at XXXX XXXX XXXX The account appears on my XXXX  credit report as of XX/XX/year>, and is being reported as unpaid and past due despite lacking legal validation. 

Violations and Issues : 1. Phoenix Recovery Group FCRA 609 + FDCPA 809 I have never received a copy of any original lease, agreement, or itemized breakdown from Phoenix Recovery Group.

I submitted a debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ) and FCRA 609, but no documentation was provided.

Without validation, continued collection and reporting is unlawful. 

XXXX. XXXX FCRA 1681i : Failure to Investigate I submitted a formal dispute to XXXX  requesting reinvestigation of the Phoenix Recovery Group account. 

Despite this, the account continues to be reported with no indication that a proper reinvestigation or verification was conducted, as required by law. 

XXXX XXXX FCRA 1681e ( b ) : Inaccurate Reporting XXXX XXXXs reporting this collection as accurate and valid, despite the fact that : It lacks supporting documentation It appears on multiple credit reports ( including Experian ) It is potentially duplicative of an account already written off by the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

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 : INQUIRIES : XXXX Date : XX/XX/year>

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 2025-07-17 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation