vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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:
In XXXX of 2025, I contacted Experian and XXXX XXXX on eight separate occasions to dispute and discuss a fraudulent auto loan account appearing on my credit report. Despite providing the necessary documentation, Experian has yet to remove the inaccurate account, and XXXX XXXX has repeatedly stated they would investigate the issue but have failed to provide any follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), both Experian and XXXXXXXX XXXX are legally required to : Conduct a reasonable investigation of any disputed information within 30 days of receiving a dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Notify the consumer of the results of the investigation and provide a written summary of findings ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Delete or correct inaccurate or unverifiable information promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

Furnishers of information, such as XXXX XXXX, must also investigate disputes forwarded by a credit bureau and report accurate information ( 15 U.S.C. 1681s-2 ( b ) ).

At this point, both parties appear to be in violation of their obligations under the FCRA by failing to conduct a timely and reasonable investigation and by continuing to report inaccurate 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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request these accounts be reviewed, and if they can not be verified, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AR

Complaint narrative:
b'I received a copy of my credit report their was accounts on it that didnt belong to me those accounts is as fallow XXXX XXXX XXXX #XXXX XXXX XXXXDEPT OF ED #XXXX XXXX XXXX XXXX XXXX $XXXX #XXXX XXXX XXXX XXXX XXXX # XXXX XXXXThese accounts was open without my consent/ fraud I notified the police department and got a statement from them'

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 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
My student loan servicer, Mohela, sent me a letter back in XX/XX/year> informing me that my account had been placed in an administrative forbearance and that any payments for XX/XX/year> and XX/XX/year> would be refunded. I was refunded the {$310.00} payment for XX/XX/year>, but have not been refunded the {$310.00} payment for XX/XX/year>. I've been going back and forth with Mohela over this matter for almost XXXX YEARS. I have been repeatedly told that emails have been sent to the accounting department who is responsible for requesting the refund from the Department of Treasury. I have even sent letters to Mohela 's XXXX Department myself by XXXX Mail, to which they have received, yet nothing has still happened. This week has been extremely frustrating as I have been told that a supervisor would call me back within XXXX hours, but that has not happened. To not do your job for almost XXXX YEARS is ridiculous. Someone please help!! It would great to have this money refunded to me in time for the holidays. Thank you in advance for your assistance with this matter.

Company response to consumer: In progress
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
This debt collector is trying to collect an alleged telecommunications debt which they believe that I owe. Not only have they been calling me at XXXX IN THE MORNING, but I sent them a FDCPA letter telling them to stop all other contact, and to mail verification documents to the provided address where I live, enclosed in the letter. They must be sent in the mail to the address if they want to continue further collections, and I will not provide any further assistance in this matter besides what is legally obligated. If they want to send verification documents electronically, I will not accept this as a valid form of communication. 

The letter was delivered to their PO Box . Please see the following XXXX tracking link : XXXX XXXX XXXX XXXX Additionally, I told them in the letter that my address is in XXXX, so they should be perfectly aware that calling me at that specific time is in the middle of the night. So, it seems they are just doing it for harassment purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I am filing this formal complaint regarding multiple instances of non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the following parties : Credit Bureaus : TransUnion LLC Experian 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 The violations include, but are not limited to : 1. Continued reporting of inaccurate and conflicting statuses after prior disputes, violating FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 2 ).

2. Improper use of the remark consumer disputes after resolution, violating CDIA Metro 2 CRRG 3.4.2.

3. Re-aging of collection accounts and missing Date of First Delinquency data.

4. Reporting Paid Charge-Offs as Derogatory despite XXXX balances. 
XXXX. Excessive duplicate hard inquiries reported by XXXX on XX/XX/year>, likely violating FCRA 604 ( f ).

6. Misleading representation of unresolved disputes by collectors, violating FDCPA 807 ( 8 ).

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a loan for a used XXXX XXXX XXXX. Upon applying for the loan, I inputted all my information went into the system and I filed the application online. I was slightly concerned because when I did the application, it only let me put one stream of income rather than multiple. This being said, I was nervous that the application would be denied and I figured that I could call in and provide whatever additional information about my income as needed. When I was denied, I was not surprised since I anticipated that with my income, not being able to be fully disclosed online. That being said, I decided to call Navy Federal and I explained to them when I was online it wouldnt let me put any more than one stream of income however, at that point, I was surprised as the person on the phone explained to me that it was not my income for the reason of denial, but it was the fact that the vehicle was so old paired with the value being too high compared to the amount financed. Prior to coming to a purchase price agreement with the private owner I did a XXXX on the car and determined that the asking price was actually {$500.00} under the value. I discovered that Navy Federal uses another website to determine their values and they use the extremely low end of the value to determine the value to loan ratio. In addition to this they stated they would only take my loan if I reapplied for a loan with collateral rather than a vehicle loan at this point, I asked them if that would require another credit check as they have already pulled one credit check for me. They could not give me a straight answer and continue to tell me there was nobody. I could talk to you about this, but that they would only know once I put the application in the person on the phone was very rude to me the entire time despite me being very polite. At this point, they pretty much just told me they put a hard inquiry on my credit for no reason as the information that determined me being denied for the loan had absolutely nothing to do with my credit or my income. This being said that there was no reason to run my credit in the first place, and they have used that privilege and took advantage of having access to my Social Security number. All the information that they use to deny my application was nothing that they needed my credit score for. There is no reason for them to have on my credit in the first place and now my credit has a hard inquiry for no reason. When I spoke to Navy Federal on the phone, they provided no solution to my concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AR

Complaint narrative:
b'I received a copy of my credit report their was accounts on it that didnt belong to me those accounts is as fallow XXXX XXXX XXXX #XXXX XXXX XXXXDEPT OF ED #XXXX XXXX XXXX XXXX XXXX $XXXX #XXXX XXXX XXXX XXXX XXXX # XXXX XXXXThese accounts was open without my consent/ fraud I notified the police department and got a statement from them'

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 2025-10-17 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: AR

Complaint narrative:
b'I received a copy of my credit report their was accounts on it that didnt belong to me those accounts is as fallow XXXX XXXX XXXX #XXXX XXXX XXXXDEPT OF ED #XXXX XXXX XXXX XXXX XXXX $XXXX #XXXX XXXX XXXX XXXX XXXX # XXXX XXXXThese accounts was open without my consent/ fraud I notified the police department and got a statement from them'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX  ar Wells Fargo Home Mortgage in XXXX XXXX, NY. for approximately XXXX plus years therefore, I'm certain they will be able to locate my information. I am requesting for all hotel transactions to be investigated from XXXX. It appears I received letters from the bank regarding a hotel transaction that does not make any sense. Therefore, I would like for Wells to find out which third party was actually collecting those funds out of my account. Was it XXXX XXXX or perhaps another third party?

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 2025-10-17 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The law firm ( XXXX XXXX XXXX ) falsely represented its authority to garnish wages across state lines without domesticating a XXXX  judgment in XXXX. Their justification relied on a misstatement of federal authority and was not supported by law. Under Farrell v. Boeing Employees Credit Union, 991 F.3d 1115 ( 9th Cir. 2020 ), the XXXX XXXX held that misrepresenting the scope of ones legal authority constitutes a violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the Fair Debt Collection Practices Act. 

XXXX XXXX conduct meets this definition because they cited an unrelated XXXX XXXX case involving federal employees to justify an out-of-state garnishment against a private-sector worker. This was a willful and misleading representation of law, actionable under the FDCPA and the Rosenthal Act. 

Such conduct directly parallels the misconduct condemned by the XXXX XXXX in Farrell v. Boeing Employees Credit Union, 991 F.3d 1115 ( 9th Cir. 2020 ), which held that misrepresentation of legal authority by a debt collector constitutes a violation of 15 U.S.C. 1692e ( 2 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
XXXX XXXX charged off my vehicle loan in XX/XX/XXXX and sold the debt to a third-party collection agency. However, they are still reporting a past-due balance of {$14000.00} on my XXXX  credit report as of XX/XX/XXXX. They sold the debt to constar financial, who Ive made a payment to, to solve the debt. 

This is inaccurate XXXX no longer owns this debt and should report the balance as {$0.00} and the status as sold or transferred. 

I disputed this with XXXX XXXX and Equifax but XXXX verified the information incorrectly. I am requesting a full reinvestigation and correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CT

Complaint narrative:
Submitted XX/XX/year>. Completed XX/XX/year>. I advised that my loans were on forbearance and that they should all reflect a $ XXXX  monthly payment however even though I sent documentation from the student loan processor my credit hasn't yet been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I would get calls and text messages all day long I had to change my number and they are still sending me messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report annd I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential identity theft tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX  Amount : {$18000.00} Date:XXXX INCORRECT ADDRESSES LISTED : 1 ) XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRIES LISTED WITH NO PERMISSIBLE PURPOSE : 1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8  ) XXXX 9 ) XXXX XXXX  10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX XXXX  INCORRECT NAMES LISTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am disputing an unauthorized hard inquiry from Citibank N.A. / Best Buy on my XXXX  credit report. I never applied for credit with this company, and I did not give consent or authorization for this inquiry. This violates FCRA 1681b, which requires a permissible purpose before accessing a consumers credit file. I am requesting the immediate removal of this unauthorized inquiry from my credit report in compliance with federal 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