vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: VI

Complaint narrative:
XXXX XXXX XXXX collection ( {$420.00} ) added with illegal re-aging ( reported/opened in late 2025 on old XXXX debt ). 
This is the purchase date, not the original account date ( years old ). 
Violates FCRA resets 7-year reporting period. 
This is a continuing pattern multiple XXXX items on XXXX  and XXXX  with same re-aging violation ( already under CFPB complaints ). 
Account status " collection/charge-off '' impossible for new accounts. 
Request immediate deletion of all XXXX items from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
Ive attempted to call Mohella on multiple occasions and sent emails to complain about the lack of service and not being able to get through to the agency for assistance with my loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MI

Complaint narrative:
I filed a dispute with trans union : Report Created On : XX/XX/year> File Identification Number : XXXX I have an account on my credit report with XXXX XXXX XXXX. It shows as opened in XX/XX/year> and then no payments were made and it was charged off. 

I dont know what this account is and I dont have any delinquent or past due accounts. Ive seen online others have had issues specifically with transunion and American first financial, and it looks like I am XXXX of these folks too. 

The dispute results from trans union was : INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Date Closed ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not accurate however. 

This account is causing my credit score for trans union to be XXXX points lower than my equifax and experian scores. I am getting a used car loan in XXXX and I dont want my interest rates to be affected by this issue.

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 2025-12-24 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: FL

Complaint narrative:
Chronological Verification Impossibility XXXX XXXX XXXX ( FCRA 623 ( a ) ( 5 ) ) This complaint concerns inaccurate credit reporting by * * XXXX XXXX XXXX * * and the continued publication of this data by the credit reporting agencies. 

* * Account Name : * * XXXX XXXX XXXX * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account presents an * * impossibility of chronological verification under FCRA 623 ( a ) ( 5 ) * *. The reported * * Date of First Delinquency ( XX/XX/XXXX ) * * predates the * * account opening date ( XX/XX/XXXX ) * *, while the account continues to be * * actively updated as of XX/XX/XXXX * * and reported as a closed collection with a past-due balance. 

This creates a non-defendable reporting timeline that can not be verified or corrected without * * illegal re-aging * * of the account. As such, the information being furnished and maintained by the credit reporting agencies is * * not verifiable under federal law * *. 

I am requesting that this issue be transmitted to the credit reporting agencies for immediate review and correction consistent with the Fair Credit Reporting Act.

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 2025-12-24 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
MY ACCOUNT HISTORY DOES NOT SUPPORT THIS LATE MARK.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding MyXact and Loan Number XXXX due to extreme and documented financial hardship. I currently have zero income, no savings or assets, and no financial support from family or other sources. My employment was involuntarily terminated following unforeseen circumstances, and until those matters are resolved, I have no ability to earn income or make loan payments. 
I contacted MyXact in good faith to request permanent hardship forgiveness or discharge of the loan, and consideration of reimbursement of payments already made. These requests were supported with documentation and a sworn hardship affidavit explaining that continued repayment is impossible and would cause disproportionate hardship, including inability to meet basic living expenses. 
MyXact advised that relief may be limited by internal policy, despite the severity of my circumstances. I am requesting CFPB assistance to facilitate a case-specific review and fair resolution. My desired outcome is forgiveness of the remaining balance, closure of the account with a XXXX balance, confirmation that no further payment obligation exists, and that no negative credit reporting or collection activity will occur. If permissible, I also request consideration of reimbursement of prior payments as an equitable hardship measure. 
My goal is resolution and clarity, not dispute. I am seeking regulatory assistance to ensure my hardship request is reviewed and resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Nelnet is reporting multiple student loan accounts as XXXX days past due even though the accounts show a XXXX balance and are listed as transferred or closed. Closed or transferred accounts can not continue reporting delinquent payment status under the Fair Credit Reporting Act. This inaccurate reporting is severely damaging my credit. I am requesting Nelnet immediately correct or delete the inaccurate payment history with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified one or more hard inquiries that I did not authorize and that are not associated with any open or approved account. I submitted a written dispute to the credit reporting agency requesting verification of these inquiries. The inquiries remain on my credit report despite my dispute. These inquiries are negatively impacting my credit profile and appear to have been added without permissible purpose or proper authorization.

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 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-24 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase is furnishing a business credit card account for XXXX XXXX XXXX in a way that places it on my personal consumer credit report, which is inaccurate and has caused severe consumer credit harm. 

I am not personally liable for this business account and did not agree to personal liability for this card. However, in XX/XX/year> I discovered that Chase is reporting this business credit card on my personal credit file ( listed as JPMCB Card Services/Chase ). 

As a result of this inaccurate reporting, my personal credit score dropped to approximately XXXX beginning in XX/XX/year>, and I am now unable to obtain a home loan because this business account is being included in my personal consumer credit profile and is affecting my score and underwriting eligibility. 

I am requesting that Chase : XXXX. Immediately stop furnishing this business account as a personal consumer tradeline ; XXXX. Submit corrections to XXXX, XXXX, and XXXX  to delete this tradeline from my personal credit report ( or correct the classification so it no longer appears in my consumer credit profile ) ; 3. Remove/correct any negative payment history or derogatory reporting tied to this account on my personal file ( if any ) ; 4. Provide written confirmation stating exactly what corrections were sent, which bureaus received them, and the date transmitted ; and 5. Provide a written explanation of why this business account was matched to my personal consumer credit file despite no personal liability. 

This matter is urgent because the inaccurate reporting is causing ongoing financial harm and has prevented me from securing a home loan on fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding continued inaccurate, incomplete, and unverified information being reported on my consumer credit report. I have disputed these items multiple times directly with the credit bureaus and furnishers. This complaint is being submitted while my CFPB case remains open and before any FTC submission. Despite prior disputes, the inaccurate information remains, indicating a failure to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. 
Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these inquiries. Under 15 U.S.C. 1681b, consumer reports may only be accessed with a permissible purpose. Please provide documented proof of authorization for each inquiry. If permissible purpose can not be established, these inquiries must be removed immediately. 
The continued reporting of disputed information after multiple notices indicates potential negligent and willful noncompliance under 15 U.S.C. 1681o and 1681n. I am requesting CFPB assistance to ensure a lawful reinvestigation is conducted and that all inaccurate or unverifiable information is corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-24 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: NC

Complaint narrative:
In or around XX/XX/year>, my credit card with XXXX XXXX was closed by them without my consent. I had reward points and a XXXX balance. A second account under my name was opened by XXXX XXXX without my knowledge or consent and there was a balance on this account. I did not receive a new credit card, or activate a new credit card, and I did not receive any statements. I only became aware from my credit report.

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 2025-12-24 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: MoneyLion Inc.
State: FL

Complaint narrative:
I disputed an obviously incorrect account ( Money Lion ) on XXXX  credit report. This is the second time and I even included proof that they are reporting incorrectly based on the info the company sent me. XXXX  started the dispute and also completed it in less than 10 hours with no changes made. This company most assuredly did not dispute the item correctly nor did they request verification from the account company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-24 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:
Would you go over this entry? It might be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
VENMO asked me to prove ID to verify my account because they locked my money on there on XX/XX/XXXX. I provided my passport ID immediately and It took them until today XX/XX/XXXX to answer, and say they are locking my money for 180 days. I told them i need my money for XXXX. TOMORROW IS XXXX AND I CANT ACCESS MY MONEY. THEY RUINED MY XXXX and my mental health because that goes towards my rent. I need my money. Please escalate this issue as soon as possible. I need to be able to withdraw my money, they can close the account after they allow me to withdraw my own money. I dont understand why everyone has issues with venmo. I read online about these same horrot stories with the same issue they randomly decide to freeze peoples money on there for random issues. Please help me out with this as soon as you can as its XXXX tomorrow. 
They are holding {$180.00} in my balance. 
My Venmo email is XXXX And my number for that account is XXXX

Company response to consumer: Closed with explanation