vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: WA

Complaint narrative:
Horrible from the start and incompetent : 1- changed pick up location after taking order fee to a different state threatened to not have another car if dont pick up soon 2- assigned a delivery assistant who did not respond to messages.

3- delivery assistant chose date without asking 4- after asking for delivery change for date delivery assistant put in the wrong date 5- car was not ready for delivery 6- bank request was sent to us 30 min before delivery time.

7- failed to update loan info, said loan was approved and then changed the statement. failed to send documents to bank 8- failed to respond when asking next step multiple times or where to upload documents.

9- failed to respond when asking for number 6 times 10- when told to ask for number to cancel gave me a number that is out of service/out of order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and are continuing to affect me negatively in ways you can not begin to imagine. These are trying times, and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2025-08-28 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: AZ

Complaint narrative:
I am submitting this complaint against TransUnion because of its mishandling of my credit report. My XXXX account, ending in XXXX and closed on XX/XX/2022, is being inaccurately shown with a late payment. The account was closed, paid in full, has a XXXX balance, and no past due amount. Yet TransUnion persists in showing a delinquency that simply never happened. 

The Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, requires TransUnion to reinvestigate disputed information thoroughly and correct inaccuracies. Instead of fulfilling this obligation, TransUnion continues to allow this false reporting to remain on my file. This demonstrates either a lack of proper verification procedures or negligence in applying them. Furthermore, under 1681e ( b ), TransUnion must adopt and follow reasonable procedures to assure maximum accuracy. Reporting a fabricated late payment fails this standard outright.

The damage has been severe. My credit score has taken an unnecessary hit, costing me opportunities for affordable credit. I had to postpone refinancing my mortgage because of this inaccurate entry, leading to XXXX  of dollars in extra costs due to higher interest rates. On top of the financial harm, the emotional toll has been crushing. I find myself constantly XXXX, fearful that every financial application I submit will result in another rejection due to something I did not do. The repeated failure to correct this issue has left me exhausted and distrustful of the system.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted a check from my bank a few weeks ago to Capital One to pay off my balance. I got no notification for them receiving the check, I had to call for them to confirm, upon calling they said they havent received the check yet but I should give it a few days then call back. Initially, I was like ok, np. As a precautionary measure, I went to UPS to get a confirmation of the checks arrival at the address given. I then called customer service, and they told me that they dont have the check and I would have to get a copy from my bank, I did so. Upon receiving the check I saw a number written on it. They notified me that the check was received ( after sending the email to them ). The check had their stamp and all. I was also told that my account is in FRAUD HOLD, because they dont know what the number is for at the front of the check. I told them I didnt put that there and my Back confirmed they didnt. My account has been on hold for a week because of an investigation and I have gotten nothing solid from them but just the run around. They wouldnt even provide me with a letter stating whats happening. All accounts are frozen on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
In XX/XX/XXXX, my federal student loan, serviced by MOHELA, was placed into administrative forbearance as a result of the SAVE plan court injunction. This forbearance paused payments and, according to Department of Education guidance, set the interest rate at 0 % for affected borrowers. 

I made my last payment on XX/XX/XXXX, and was fully current on all payments at that time. My XX/XX/XXXX payment was paused due to a platform transition. Then, in XX/XX/XXXX, my loan was officially placed into SAVE-related forbearance. 

Despite being under 0 % interest forbearance since XX/XX/XXXX, my loan accrued {$450.00} in interest between XX/XX/XXXX and when I paid the loan in full on XX/XX/XXXX. {$450.00} in interest is more than 2 months of interest that I was normally accruing while my loan was in repayment. 

MOHELA has been unable to confirm when or why this interest accrued and told me that the Department of Education will be reviewing incorrectly accrued interest but that there is no timeline for when this will take place.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
I am deeply frustrated and disappointed with Equifaxs handling of my credit file. My XXXX  account ending in XXXX, closed on XX/XX/year>, is being inaccurately reported with a late payment. This account was paid in full, shows a XXXX balance, and has no past due amount. Yet, Equifax continues to reflect a late payment that never existed. This is not simply a minor error ; it is a direct violation of my rights under the Fair Credit Reporting Act. 

Section 1681e ( b ) of the FCRA requires Equifax to ensure the maximum possible accuracy of the information it reports. Section 1681i further obligates Equifax to properly reinvestigate when a consumer disputes an item. Instead of following these mandates, Equifax has either ignored my disputes or rubber-stamped responses that keep the error in place. The law is clearif Equifax can not obtain verifiable evidence from the furnisher that a delinquency occurred, it has no legal authority to continue reporting the late payment.

This inaccuracy has placed an unjust burden on me. It has resulted in higher interest rates, rejections for credit, and countless hours wasted in disputes. It has also left me under enormous emotional strain. Every time I log in to check my report, I am forced to relive the anxiety of being judged for something I did not do. The XXXX  has seeped into my daily life, affecting my confidence, my sleep, and my peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally file a complaint and request the immediate removal of multiple unauthorized hard credit inquiries that have appeared on my credit reports. These inquiries were made without my knowledge, authorization, or consent, and in several cases, they appear to involve incorrect personal information, strongly suggesting identity theft or misuse of my personal data. 

Unauthorized Inquiries Reported Factual Data XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Legal Basis for Removal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) : Prohibits credit reporting agencies from including inquiries unless they were authorized by the consumer.

FCRA, 15 U.S.C. 1681i ( a ) : Gives me the right to dispute inaccurate or fraudulent information and requires credit bureaus to investigate and remove unverifiable data. 

South Carolina Code of Laws 37-20-170 : Prohibits use of consumer credit information obtained through fraudulent or unauthorized means.

South Carolina Identity Theft Protection Act, 16-13-510 et seq. : Protects against fraudulent use of personal identifying information and requires prompt corrective action. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations, including reporting inquiries under false pretenses.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 2025-08-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-28 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$790.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NC

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i paid off the total amount owed on my credit card before my statement closing date, but bank of america charged me {$120.00} interest on a statement with otherwise a {$0.00} balance. they try to explain why by saying interest accrues from before, but there is no making sense of it. i did a chat through the online account a few days ago, and they said i would receive an email regarding my request for a reversal of the fee, and i never even got an email. so i chatted again today and again they said they can do nothing. thirty years a customer ( since XXXX ) and i can't get any help.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: ND

Complaint narrative:
I have tried to email this company. I have tried to call this company countless times. I am not able to get ahold of them at all. Id like to pay the collection and have no way to do so. When I go online to pay it says my account has been flagged and that I need to call. But nobody ever answers the phone! How am I supposed to pay this collection if they wont answer.

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 2025-08-28 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: FL

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts were opened in my name with 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 {$120000.00} and {$41000.00}, around XX/XX/year>. I did not authorize this account or receive any services from the company ( s ). I discovered it on my credit report and have since filed an identity theft report with the FTC, placed a fraud alert with the credit bureaus, and disputed the account. The company continues to report the debt, which is harming my credit.

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