vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am a consumer submitting this complaint to request investigation and correction of inaccurate and/or unauthorized items appearing on my credit reports. I have attempted to address these issues directly with the credit bureaus, but the information remains unresolved. 

Below are the details separated by each credit bureau, along with my previous addresses for identification verification. 

XXXX Accounts in Dispute : There are charged-off accounts reporting inaccurately or without full verification. I request Equifax to conduct a thorough investigation and provide documentation confirming the accuracy of each account or remove them from my file if unverifiable. 

Unauthorized / Questionable Inquiries : XXXX XXXX XX/XX/year> This inquiry was not authorized by me and should be removed immediately for lack of permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: MO

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my Equifax credit report. 

I am disputing the following charged-off account currently reporting on my Equifax credit file : XXXX XXXX XXXX Account ending XXXX opened XX/XX/year>, balance {$390.00} ) I do not believe this account has been properly verified. I am requesting validation of the account ownership, balance, and reporting dates. If Equifax can not verify this information with accurate documentation, I request that the account be corrected or removed in accordance with the Fair Credit Reporting Act. 

Additionally, I am disputing the accuracy of late payment reporting related to the following account : XXXX XXXX Bank ( Account ending XXXX ) Please investigate and ensure all reported late payments are accurate and supported by proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful credit reporting by the U.S. Department of Education and its loan servicer related to my federal student loan account.

I have documented proof that this loan entered deferment in XXXX. During that same period, the Department of Education intercepted my XXXX federal tax refund through a Treasury offset to apply toward the loan balance. This confirms that the account was being handled administratively by the federal government and was not in an active repayment status requiring monthly payments.

Despite this, in late XXXX / early XXXX, the loan was reopened and re-reported as an active account and subsequently reported as 90 days past due, causing significant damage to my credit profile and XXXX  score. 

T

his reopening and delinquency reporting occurred without any confirmation, written communication, billing statement, repayment notice, or authorization from me, and without any documented renegotiation of loan terms or repayment agreement with the U.S. Department of Education or its servicer. At no point was I notified that : The deferment had ended A new repayment obligation had begun Payments were due The account would be re-aged or reported as delinquent Reporting a delinquency under these circumstances is inaccurate, misleading, and unlawful, and appears to violate : Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 623 ( b ) failure to conduct a reasonable investigation after dispute Higher Education Act servicing and notice requirements CFPB credit reporting and servicing standards Additionally, this account has now been reported as delinquent for the second time in the same year, even after a prior dispute, suggesting systemic reporting errors and failure to correct known inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8100.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX  and XXXX  are reporting a collection account from CREDENCE RESOURCE on my credit report for an alleged debt I do not owe. I have never had a valid obligation to pay this company. The original creditor listed is XXXX, however I do not have an outstanding balance with this provider. My debt with XXXX was fully satisfied over a year ago. Additionally, the balance being reported is inaccurate. There was never a balance of {$160.00} owed to the original creditor. CREDENCE RESOURCE has failed to provide proof of assignment, chain of title, or proper debt validation as required under 15 USC 1692g. Despite this, the account continues to be furnished to my credit report. The continued reporting of this account violates the FDCPA, and the FCRA. Due to these violations and the failure to verify the debt, I am demanding the immediate removal of this account from my credit report. If this matter is not resolved promptly, I will pursue further action, including litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit profile without my consent

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 2025-12-28 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: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit profile without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have attempted to contact mohela make payments, call to figure out how to make payments so that way I do not have any late payments or delinquent accounts.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX   Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : I am disputing the following inquiries across the bureaus : Experian ( XXXX ) : XXXX XXXX XXXX Date : XX/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 2025-12-28 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: NY

Complaint narrative:
I am disputing the accuracy of the following accounts reported on XXXX credit report. 

Charged Off : No entries provided for TU in this section. 

Late Payment : Account Name : Capital XXXX Account Number : XXXX Inquiries : Account Name : WebBankAvan 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Purchase made on XX/XX/XXXX from XXXX XXXX for {$12000.00}. We saved for two years to make this purchase.

The card was set up for auto payment due on XX/XX/year>. The charge was paid twice on XX/XX/year>. It is a large part of our budget and weighs heavily on our family finances to have it be double charged. 
Contacted XXXX card on XX/XX/year> to stop double payment but it had already been paid. Then called Capital One on XX/XX/year> about the double payment. Capital One stated they see the double payment and were unable to issue refund without review. IF approved after review would only be able to mail check as form of refund. I agreed at the time. Review was estimated to be completed within 5 business days.

Three weeks later no check had arrived. Spouse, XXXX XXXX, who is an authorized user, called Capital One on XX/XX/year>. He spoke to a manger at Capital One who stated the review was not completed and no refund would be issued at this time. 
This is unacceptable. We were promised a review within 5 business days and it has been over a month. They have no intention of refunding the overpayment and it is become a burden on our family. We look forward to any assistance or guidance you can provide. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: MN

Complaint narrative:
I PULLED MY CREDIT REPPORTS FROM XXXX AND NOTICED SEVERAL ACCOUNTS THAT WERE OPENED IN MY NAME.

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 2025-12-28 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am scheduled to receive my paycheck from US Treasury with Direct Deposit on Friday XXXX in my Capital One Checking Account. Capital One Bank has an early direct deposit feature that has made the funds to all my Treasury payments available 2 days early the Wednesday before the Friday it posts. They have done this for several months. I need my direct deposit scheduled for Friday XXXX made available the Wednesday before on XX/XX/year> so I can put down a deposit and first months rent on my new apartment or I will be homeless ; because the bank wants to collect one days interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I didnt receive any notice that i owed this company money, i recently checked my credit report and notice they were reporting negative information without my permission or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Inquiries : No inquiries listed for Equifax. 

Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: IL

Complaint narrative:
I am filing this complaint regarding ongoing inaccurate and misleading credit scoring by TransUnion following the removal of derogatory information from my credit report. Over time, XXXX collection accounts were reported on my TransUnion credit file, each of which negatively reduced my XXXX XXXX. These collection accounts were successfully removed, confirming that they were inaccurate, obsolete, or no longer reportable. 
Despite the deletion of these negative items, TransUnion failed to restore or recalculate my XXXX XXXX to reflect the corrected credit file. My score has remained suppressed even though the negative factors that caused the decreases no longer exist. This indicates that TransUnion is continuing to factor removed derogatory information into my XXXX XXXX, or is otherwise failing to ensure that my XXXX XXXX accurately reflects my current credit data which I should be at XXXX or a couple of points above. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy. A credit score that continues to reflect penalties from deleted collection accounts is inaccurate and materially misleading. Additionally, under 15 U.S.C. 1681i, once inaccurate information is removed, TransUnion has a duty to ensure that my consumer file and any credit score derived from it accurately reflect the corrected information. 
Courts have held that reporting that is technically accurate but materially misleading violates the FCRA. See XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 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 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
The debt collector, Jefferson Capitol continuously is re-aging a debt from XX/XX/XXXXto make it look current. Theyve already been removed from my credit bureaus at least twice. I dont owe the debt to begin with. How can this be legal to make it look like a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 dispute several inquiries that have been made on my credit report. Below is a detailed list of the inquiries in dispute, separated by each credit bureau. 

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 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Ks. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. XXXX Subject : Request for Documentation of Interchange Fees Charged Dear XXXXXXXX XXXX  XXXX I am writing to formally request detailed documentation of interchange fees assessed on transactions processed for XXXX  XXXX XXXX, XXXX during the period XXXX XX/XX/XXXX. 

Specifically, I request : XXXX. Itemized statements showing interchange fees charged per transaction, including card type and rate applied. 
XXXX. Copies of any schedules or agreements governing interchange fee assessments. 
XXXX. Historical summaries of total interchange fees deducted from our merchant account. 
XXXX. Monthly merchant statements for the period XXXX XXXX. 
XXXX. Transaction histories, including deposits, withdrawals, interchange fees, and chargebacks. 
XXXX. Copies of merchant agreements and any amendments. 
XXXX. Documentation of fees, deductions, or compliance notices applied to my account. 
XXXX. Any compliance filings or regulatory notices issued to my account. 
XXXX. A copy of all XXXX tax form that supposed to be sent to me. 


This request is made pursuant to my rights under applicable consumer protection and banking regulations, including the [ Kansas Consumer Protection Act and oversight by the [ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. 

If your office is unable to provide these records directly, please advise me of the appropriate channel or regulatory body to obtain them. I request a written response within XXXX  days of receipt of this letter. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and advise of the next steps. 

Sincerely, 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