vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion and Experian are inaccurately reporting my XXXX XXXX Bank account as having a late payment even though it is fully Paid & Current with a balance of {$0.00}. The account is listed as XXXX XXXX XXXX * * - XX/XX/year> - Paid - {$0.00} * *. 

This reporting is both misleading and damaging to my credit profile. The notation of a late payment implies that I was delinquent or behind on this account when, in fact, there is no balance owed, no amount past due, and no record of missed payments. Such an entry is inconsistent with both the factual account status and the obligations of the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires all furnished data to be accurate, complete, and up to date.

Furthermore, under 15 U.S.C. 1681i ( a ), once a consumer disputes inaccurate or incomplete information, the credit bureaus must conduct a reasonable reinvestigation of that disputed item. In my prior attempts to have this issue corrected, the responses I received from both bureaus were generic verified notices with no supporting documentation, explanation, or evidence that a proper review ever took place. This pattern of dismissive verifications demonstrates a failure to conduct the reasonable reinvestigation that federal law mandates.

This inaccuracy has had tangible consequences. My credit score has been unfairly impacted, and I have faced unnecessary denials and less favorable credit terms because of a late payment notation that should not exist. It is both disheartening and infuriating to see a paid and current account being reported in a way that falsely damages my financial reputation. I have done everything rightpaid on time, resolved the balance, and maintained responsible credit habitsyet the system designed to reflect my reliability has instead misrepresented me. 

The FCRA was created to prevent exactly this kind of harm. Credit bureaus are entrusted with maintaining data integrity, and creditors are responsible for furnishing information that is both truthful and verifiable. Reporting a zero-balance, paid account as delinquent fails to meet either standard.

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 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-10-20 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 submitting this complaint against the three major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX  to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-20 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a purchase of {$3500.00} on my Chase credit card and elected to use their " Pay Over Time '' feature/service starting XXXX XX/XX/year>. I had agreed to do a 24 month plan of $ XXXX/payment. Since then, and unbeknownst to me until just recently, all of my returns on this credit card have gone towards paying off the entirety of this plan instead of just the monthly payment or the balance I have accrued in a statement cycle. At this point of time my plan with Chase that was supposed to last 24 months now only has 3 remaining monthly payments. This practice has severely affected my finances, particularly because I did not catch it until I received a large return, and the balance Chase wants me to pay to avoid interest on my card is more than it should be had the large return been processed against what I had accrued that cycle. After speaking with 4 different representatives over the phone ( 2 American, 2 international, the last being a manager ), I was finally told that returns processed through credit cards are always first applied to payment plans regardless of the agreed monthly payment amount and regardless if it had already been fulfilled or not. I was told they can not reverse this and I was also denied further escalation. To my best knowledge this specific information had not been provided to me when I agreed with Chase to pay the total over a series of 24 months at a set monthly rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
There was a Seventh Ave account that appeared on my sons credit report that was disputed as fraud. Its not his account and all information has been submitted to the credit bureaus as well as the collection agency that attempted to collect this debt on behalf of Seventh Ave. Today a letter was mailed to my address in another state addressed to him from Seventh Avenue and he asked me to open it. Upon reading the letter it asks for him to give personal information including his social security number and have it notorized as well asking for my personal information including social security number and have notorized reassigning his account into my name. This account is not mine nor do I have any knowledge of it so I called the number listed on the letter ( XXXX ) XXXX and the woman that answered stated she had no idea what I was talking about that he just needed to sign the letter for the fraud he was claiming. I tried to explain it to her again and she told me to disregard it and hung up on me. When I look the number up that I called it doesnt come up as Seventh Avenue so Im concerned that it could be a scam letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I tried buying a XXXX XXXX from XXXX XXXX. The woman asked me to send her the money for the XXXX XXXX though XXXX. I sent her the money and she never gave me the XXXX XXXX. She deleted the listing and blocked me. I called XXXX  but they said they couldn't do anything about it. The woman relisted the XXXX XXXX on XXXX and my mother reached out to her. She gave her an address in XXXX and a phone number. The address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX unit XXXX. Her phone number is ( XXXX ) XXXX. My mother asked her to send the money back to me but she has not sent it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I was asked to fill out paper work for loss mitigation and it would stop foreclosure process. I filled out paper work XX/XX/year> and sent it in and they asked for more documents. Selene XXXX XXXX sent me a loss mitigation pack, and I applied XX/XX/year> and sent a complete package. They asked for more business documents on XX/XX/year>, which I responded to late XX/XX/XXXX explaining I was retired, XXXX XXXX XXXX XXXX was inactive since the XXXX XXXX, XXXX XXXX XXXX was inactive and XXXX XXXXXXXX was not a business and I had a few guests via the XXXX  bookings. But for the rest of XXXX XXXX and XXXX they asked for the same business documents with the intent to not mark the file complete for review per XXXX. The scheme was to just keep asking for documents that I did not have so they could never stop the foreclosure process with their lawyer XXXX XXXX. XXXX XXXX when the foreclosure should have been put on hold XX/XX/year> proceeded with a 1 sided settlement and then did a bait and switch of the terms. So Selene in conjunction with their lawyer XXXX XXXX entered into a scheme to not follow CFPB rule XXXX and stop the foreclosure during review and kept asking for the same documents that did not exist just to prevent the file from being complete and put on hold for review and stop foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
FCRA 1681s-2 ( b ) Signed contract fullpaymentandchage-Off history 1099-Ccopy or confirmation Cancellation date and IRS reasoncode Method of verification e supporting does Proof of Metro2 compliance Audit trail of tradeline updates Furnisher 's name and license Proof of authority to report Proof account wasnt re-aged Assignment/ownership docs If securitized : trust name, XXXX, chain of title, UCC-1 IRS notices ( if any ) Cease and desist all reporting/collection until verified Delete if not fully validated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Servicer : Mohela Loan Type : Federal student loans Issue : Misapplication of employer student loan payments and inaccurate billing Mohela has been misapplying my employers student loan contributions for several months. I pay my loans monthly out of pocket, and my employer sends separate payments. I intended for all employer contributions to be allocated to Loan Group 4 first until fully satisfied, and then to Loan Group 3 thereafter, but Mohela has been distributing the funds incorrectly across other loans.

This misallocation has caused : 1. Employer payments for the past 6 months ( Loan Group 4 ) and 3 months ( Loan Group 3 ) to be applied incorrectly 2. My monthly statements and payment amounts to be incorrect as a result 3. My account balance to not reflect the intended reduction I have called Mohela multiple times over the past 90+ days to resolve this issue. During these calls, Mohela representatives agreed to correct the allocation, but no action has been taken, and the misallocation continues
. 

On XX/XX/year>, I sent a written instruction through the Mohela message center requesting that all employer payments be applied exclusively to Loan Group 4 until paid in full, and then to Loan Group 3. I also asked for retroactive correction and updated statements, but Mohela has not corrected this.

I am requesting that Mohela : 1. Honor the allocation instruction going forward 2. Retroactively reallocate the past 6 months of employer payments to Loan Group 4 and past 3 months to Loan Group 3 3. Correct my statements and monthly amount due accordingly 4.Provide written confirmation once completed These are federal loans, and servicers are required to follow borrower payment allocation instructions. I am requesting CFPB intervention to ensure compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation