vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
FINAL LEGAL REBUTTAL & DEMAND FOR DELETION CRM REFERENCE # XXXX This statement serves as formal notice that Credence Resource Management ( CRM ) has failed to provide lawful validation of the alleged XXXX XXXX XXXX Mobility account ( # XXXX ) in the amount of {$2800.00} despite repeated disputes spanning over 90 days. 
The validation provided a single billing printout does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 609, 611 & 623 ) or the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 
A basic invoice from XXXX XXXX XXXX is not competent proof of an enforceable obligation and does not demonstrate : The existence of a signed consumer agreement or service contract ; An itemized accounting showing how the balance was calculated ; The assignment or written authorization granting CRM the legal right to collect or furnish data to credit bureaus. 
By continuing to furnish this unverified account to Experian and TransUnion, CRM is acting in willful and negligent violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

I therefore demand that the CFPB direct CRM to : Cease and desist all collection and credit-reporting activity related to this account ; and Delete the tradeline in full from all consumer-reporting agencies. 
CRM has been on notice since my original validation request and has failed to comply. I request the Bureaus assistance in enforcing my rights under the FCRA and FDCPA and in compelling CRMs immediate deletion of this unverifiable account. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am submitting this complaint to follow up on my previous disputes regarding inaccurate information on my credit report concerning my XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} ). Despite previous requests, this account continues to show incorrect late payments for XX/XX/year>XXXX  ( 30 days late ) and XX/XX/year>XXXX  ( 60 days late ), which do not reflect my actual payment history.According to my records, there were no late payments for these months. This inaccurate reporting has caused significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I have the right to request the correction of incomplete or inaccurate information and for the credit bureau to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I have tried to contact mohela for a year no email is given no one answers their phone and every time I enter my account information they say there is no record of this account- I have received no bills or confirmation that they received all my documents and forms requesting a deferment since my daughter is in XXXX school. I sent these filled out forms in 6 months ago. She graduated XXXX XX/XX/year> this has been going on for over a year and also my loan is a lot bigger than it should be. I need help and I cant get ahold of anyone at mohela. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2025-11-07 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 submitting this complaint as a victim of identity theft, multiple data breaches, and the ongoing misuse of my personal information by major consumer reporting agencies TransUnion, Equifax, and Experian. 

As a result of these breaches and the unauthorized sale and circulation of my personal data, there are now several unauthorized and inaccurate accounts that have been added to my credit reports without my written notice, consent, or verification. 

The following accounts are being reported inaccurately and are linked to the misuse of my personal identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are negatively affecting my credit standing and causing substantial emotional and financial harm. Despite my efforts to dispute these items, the credit reporting agencies continue to circulate, buy, and sell my data for profit, disregarding my privacy rights and protections guaranteed under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including : Copies of my dispute letters to TransUnion, Equifax, and Experian A sworn statement under penalty of perjury pursuant to 15 U.S.C. 1681c-2 Proof of my inclusion in the Equifax and TransUnion data breaches Government-issued identification and proof of address Under the FCRA ( 15 U.S.C. 1681, 1681c-2, 1681i, and 1681s-2 ), I am exercising my rights to : 1. Have all information resulting from data breaches and identity theft blocked or permanently removed from my credit reports ; 2. Request a comprehensive reinvestigation of how my data and credit information are being used, accessed, or shared ; 3. Require the credit reporting agencies and furnishers to cease dissemination and sale of my personal information to third parties ; and 4. Obtain written confirmation detailing corrective actions taken to protect the accuracy and integrity of my consumer file. 

I respectfully request the CFPBs direct assistance to ensure that TransUnion, Equifax, Experian, and the furnishers listed above comply with federal law, cease their unlawful practices, and immediately remove all inaccurate and unauthorized information from my consumer reports. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint as a victim of identity theft, multiple data breaches, and the ongoing misuse of my personal information by major consumer reporting agencies TransUnion, Equifax, and Experian. 

As a result of these breaches and the unauthorized sale and circulation of my personal data, there are now several unauthorized and inaccurate accounts that have been added to my credit reports without my written notice, consent, or verification. 

The following accounts are being reported inaccurately and are linked to the misuse of my personal identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are negatively affecting my credit standing and causing substantial emotional and financial harm. Despite my efforts to dispute these items, the credit reporting agencies continue to circulate, buy, and sell my data for profit, disregarding my privacy rights and protections guaranteed under the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including : Copies of my dispute letters to TransUnion, Equifax, and Experian A sworn statement under penalty of perjury pursuant to 15 U.S.C. 1681c-2 Proof of my inclusion in the Equifax and TransUnion data breaches Government-issued identification and proof of address Under the FCRA ( 15 U.S.C. 1681, 1681c-2, 1681i, and 1681s-2 ), I am exercising my rights to : 1. Have all information resulting from data breaches and identity theft blocked or permanently removed from my credit reports ; 2. Request a comprehensive reinvestigation of how my data and credit information are being used, accessed, or shared ; 3. Require the credit reporting agencies and furnishers to cease dissemination and sale of my personal information to third parties ; and 4. Obtain written confirmation detailing corrective actions taken to protect the accuracy and integrity of my consumer file. 

I respectfully request the CFPBs direct assistance to ensure that TransUnion, Equifax, Experian, and the furnishers listed above comply with federal law, cease their unlawful practices, and immediately remove all inaccurate and unauthorized information from my consumer reports. 

Respectfully submitted, 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 2025-11-07 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX, the authorized representative of XXXX XXXX, pursuant to a signed Consumer Authorization and Limited Assignment Agreement between XXXX XXXX and XXXX XXXX XXXX, XXXX. This complaint is directed against TransUnion Information Services for its continued and willful failure to correct and verify inaccurate information within the consumers credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681s-2, 1681n, and 1681o. Despite a formal dispute submitted on XX/XX/2025, and a second written follow-up on XX/XX/2025, TransUnion has refused to perform a lawful and complete reinvestigation or to remove inaccurate data. The disputed account, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX continues to display false late-payment entries for XX/XX/2025, even after TransUnion was provided evidence showing these entries were the result of the furnishers internal reporting errors, not any delinquency by the consumer. TransUnions deliberate choice to ignore this documentation and continue publishing false information constitutes a reckless and willful disregard of its legal obligations under 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
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending to formally dispute inaccurate payment information being reported on my student loan accounts serviced through the Department of EducationXXXX . I take great pride in maintaining my financial commitments and wish to ensure that my credit report accurately reflects my payment history. I am requesting a full reinvestigation and correction in accordance with my rights under federal law. 
DEPT OF EDUCATIONXXXX XXXX BALANCE : {$3000.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$1500.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$940.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS

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 2025-11-07 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate payment information being reported on my student loan accounts serviced through the Department of EducationXXXX . I take great pride in maintaining my financial commitments and wish to ensure that my credit report accurately reflects my payment history. I am requesting a full reinvestigation and correction in accordance with my rights under federal law. 
DEPT OF EDUCATIONXXXX XXXX BALANCE : {$3000.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$1500.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS DEPT OF EDUCATIONXXXX XXXX BALANCE : {$940.00} LATE 90 DAYS, LATE 120 DAYS, AND LATE 150 DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this follow-up regarding the discrepancies on my credit report related to my XXXX XXXX account ending in XXXX. Upon reviewing my credit report, I noticed that multiple late payments have been inaccurately reported for this account, which is causing significant harm to my financial standing.The account currently shows a balance of {$450.00} with a date of last activity of XX/XX/XXXX, and reports late payments in the following months : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX through XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Based on my records, these reported late payments, along with the severity of delinquencies, do not accurately reflect my actual payment history. The reporting of these late payments does not meet the standard set under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires furnishers to provide complete and accurate information to credit reporting agencies. 
I am requesting that XXXX XXXX review the account and correct these discrepancies to ensure the account reflects my true payment history. As per FCRA 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), creditors are required to correct any information they determine to be incomplete or inaccurate. A review of my records will verify these inaccuracies, and I trust XXXX XXXX will fulfill its obligation to update the account accordingly. 
Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute inaccurate information, and credit reporting agencies are obligated to investigate and promptly correct any errors. The continued reporting of inaccurate late payments negatively impacts my credit profile, and I request that these inaccuracies be corrected without delay.Furthermore, as outlined in FCRA 605 ( a ) ( 15 U.S.C. 1681c ), inaccurate or obsolete information should not be reported in a way that unfairly harms a consumer. Several of the late payments listed on my account are inconsistent with my records and must be corrected.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had my last XXXX to make it to work and get me through the week and navy federal took it without notice as an adjustment I guess for regarding to a charged off account but I did not recover notice this would happen if I would of known I would of just closed this account as well I went to pay to go to work and my account has XXXX no notice or anything and now I am stressed I thought I had money and now I dont this is causing me a lot of stress I now ended up at the hospital to try and XXXX XXXX XXXX that this has caused me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My ex boyfriend asked me to give him my bank account information for wire transfer. I dont know what his purpose was. After received wire transfers fund and he made transfer fund to his account from my account without noticed me. Chase bank blocked my account and questioned me. After that they decided to close my account without reason. My ex boyfriend broken up with me and refused to help me to negotiate with Chase bank to restore my account. I am innocent. I tried to open second chance account but they rejected. Another bank i tried to apply included XXXX XXXXXXXX XXXX XXXX  XXXX were all rejected by XXXX XXXX. I feel sad because I cant open bank account to receive SSI payments. I am XXXX  and I have hard time to negotiate with banker without XXXX XXXX. I feel I was scammed by ex boyfriend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi dear I am customer of chase bank last XXXX years I am bill on time everything I have problems with transactions XX/XX/XXXX I buy Turkish airline ticket is charged me {$1400.00} and is okay is again charged me {$1400.00} duplicate XX/XX/XXXX and after XXXX month XX/XX/XXXX is charged again {$2300.00} same only XXXX ticket I buy ticket round trip XXXX XXXX to XXXX and XXXX to XXXX XXXX is again charged me XX/XX/XXXX charges me {$1400.00} now I cell chase bank is say we dont help you because is have old transaction is not filling dispute I have all proof of email and screenshot in XXXX end I was in XXXX my mind not see that problem because is my home member passed way by XXXX now I have this problem please help me by chase bank and Turkish airline please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 fifth follow-up regarding discrepancies on my credit report that do not accurately reflect my financial history. These inaccuracies have caused me undue stress and have significantly impacted my ability to access fair financial opportunities. Despite my previous requests, these issues remain unresolved, and I am seeking immediate correction. 
One item of particular concern is a reported charge-off with XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which shows a balance owed of {$0.00}. This entry does not accurately represent my financial activity. I request that this account be thoroughly reviewed, and if it can not be verified as accurate, it must be removed.Under FCRA 609 ( a ), I have the right to request verification of any account on my credit file, and I am exercising this right to ensure that my credit report is correct. 
In addition, I have identified multiple unauthorized inquiries or inquiries that do not reflect my financial activity. These include : 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  ) I respectfully request a thorough reinvestigation of these items in accordance with FCRA 611 ( a ) ( 1 ). Credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. As outlined in FCRA 607 ( b ), they must have reasonable procedures in place to maintain accurate credit information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers report complete and accurate data.

Company response to consumer: Closed with explanation