vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My XXXX XXXX to Repayment application, Case Number XXXX, was marked as denied in the Federal Student Aid system, but I was never notified of this decision. I did not receive a denial letter by mail or email, and there is no copy of the denial in my XXXX inbox. As a result, I have no information about why my case was denied, what evidence was reviewed, or what issues need to be addressed. 

Borrowers are required to receive written notice of XXXX XXXX decisions. Without a denial letter, I can not understand the basis of the denial or submit a meaningful reconsideration. This has left me unable to move forward with resolving my student loan issues. 

I have contacted my servicer and checked my XXXX XXXX account, but I could not find a denial notice. The system simply shows my case as denied with no explanation. I am requesting assistance in obtaining the denial letter, the reason for the denial, the findings used to make the decision, and confirmation that my application was reviewed according to federal requirements. 

I can not move forward with a reconsideration or manage my federal student loans without this required information. I am asking the CFPB to help me obtain the denial notice and a complete explanation so I can exercise my rights under the XXXX XXXX process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several items on my credit report, as I believe they may be inaccurate or incomplete. Please review the following disputed accounts under each credit bureau. I request these items be corrected or removed as necessary. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} This account has been reported as charged-off. I believe this reporting is incorrect as I have not received any prior communication about this account from XXXX XXXX. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} This account has a large balance with no prior payment history. Please investigate the accuracy of this charge-off and provide evidence of any payments or notices sent. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The account balance is reported as {$0.00}, but I would like confirmation of this balance in case of any discrepancies. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows a {$0.00} balance, but I have no records of any resolution or payment plan. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} This account is listed as charged off. I request confirmation of the balance and any actions taken against it. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} There is no supporting documentation for this charged-off account. Kindly provide proof of debt and any communications regarding this balance. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} I dispute this charge-off as I do not recall receiving any prior notices or documentation regarding this debt. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} This account reflects an outstanding balance that I believe to be incorrect or unsubstantiated. Please verify the debt and provide supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  These Banks were opened during the data breach that exposed all of my information. 
These accounts are due to identity theft. They were opened fraudulently. Therefore, they should be removed from Chex Systems under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681c-2 ( Section 605B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: HI

Complaint narrative:
XXXX XXXX has incorrectly reported my mortgage as late in XXXX. My mortgage was paid and was not XXXX  days late. After multiple calls regarding the discrepancy and no efforts on behalf of BSI to fix it, I had submitted to them email proof of the one-time payment confirmation and made numerous follow up calls to BSI with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information in my credit report with Equifax that I believe to be inaccurate. Below are the details of the accounts in question : Charged Off Accounts : TRUIST Account Number : XXXX Date Opened : XX/XX/year> Balance : {$44000.00} Inquiries : No inquiries in dispute. 

Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So on XX/XX/year> at XXXX XXXX XXXX standard time I checked by mobile Chase app and my business accounts were fine, I have XXXX accts. A XXXX acct which had approx {$14000.00} in it, and a XXXX account which had approx {$2500.00} in it. By XXXX XXXX XXXX, I tried to log in again and received an error message to call into the bank, that there was fraud suspected and the accounts were limited and I needed to call. 
So I called and was told that Chase was " Ending the business relationship with me '' no explaination, and any funds that were in the account would be mailed to me by XX/XX/year>. All XXXX would be restricted and I would not be able to see anything in the account. I went into my local branch where my business is, and the branch XXXX who is very nice tried to call and get more infor for me, they shut her down as well. 
So in the mean time, I have a merchant machine for credit cards/ debit cards..... those card funds were still being directed to the chase account, unbeknownst to me. So as of XX/XX/year> Chase now has {$69000.00} of my money and they are still saying I wont get any of my money until XX/XX/XXXX. I have a business to run, I can't pay my bills, my employees, my insurance companies, and I'm about to lose my business because of Chases decision to " End the relationship '' This is a horrible way to do business. 
This is crippling to a small business owner. I will also be going to XXXX on your side to make this type of action known to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TN

Complaint narrative:
CFPB Complaint Unlicensed and Fraudulent Debt Collection Complainant : XXXX XXXX XXXX, Tennessee Company Involved : Starmark Financial LLC XXXX  ID : XXXX I am submitting this complaint because Starmark Financial LLC is reporting and attempting to collect a fraudulent debt on my credit report. The alleged account appears under the name Starmark Financial LLC with a balance of {$3900.00}, reportedly opened in XX/XX/XXXX, account number XXXX. 
I have never opened or authorized any account with this company. I have lived continuously in the XXXX of Tennessee since XXXX, and the account was allegedly created in Florida a state in which I have not resided or conducted any business. 
Violation Details According to the Nationwide Multistate Licensing System ( NMLS Consumer Access ), Starmark Financial LLC ( XXXX ID XXXX ) is not licensed to collect debts in either Florida or Tennessee. 
Their continued debt collection and credit reporting activities are in violation of the following laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Fair Credit Reporting Act ( FCRA ) reporting inaccurate and fraudulent information. 
State consumer protection laws in Florida and Tennessee prohibiting unlicensed debt collection. 
Requested Resolution Investigate Starmark Financial LLC for unlicensed debt collection and fraudulent credit reporting. Require the company to cease all collection activities related to this account. 
Require immediate deletion of this account from all credit reports ( XXXX, XXXX, and XXXX  ). 
Take appropriate enforcement action for violation of federal and state laws. 
Supporting Documentation Exhibit A Screenshot from NMLS Consumer Access showing lack of licensing in Florida and Tennessee. 
Exhibit B Copy of cease and desist letter sent to the company. 
Exhibit C Credit report showing the fraudulent account. 
Certification I certify that this information is true and correct to the best of my knowledge and that I am the affected consumer. 

XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : XXXX XXXX Accounts XXXX charged off accounts listed for TransUnion. 

Inquiries 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 Positive Accounts No positive accounts listed for TransUnion. 

XXXX XXXX Accounts XXXX XXXX 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 2025-11-14 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
XXXX XXXX ACCOUNT IS FRAUDULENT ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
XXXX XXXX ACCOUNT IS FRAUDULENT 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 2025-11-14 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: GA

Complaint narrative:
TransUnion has violated multiple sections of the Fair Credit Reporting Act ( FCRA ), including 605B and 611 ( a ) ( 5 ) ( B ).

I am a verified victim of identity theft ( FTC Identity Theft Report # XXXX ). I submitted full documentationincluding my drivers license, passport, proof of address, sworn declaration under penalty of perjury, and a clear copy of my Social Security cardto verify my identity and request a block under FCRA 605B.

Despite receiving all legally required documentation, TransUnion continues to delay compliance by claiming my identity has not been verified. Additionally, TransUnion previously deleted the same fraudulent accounts after earlier disputes but has reinserted them without providing me written notice, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

These fraudulent accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) were never authorized by me and continue to harm my credit and livelihood. 

I am requesting immediate CFPB oversight to ensure TransUnion : Permanently deletes and blocks all identity-theft-related information under 605B.

Ceases any further reinsertions without proper written notice.

Confirms deletion and compliance in writing. 

TransUnions continued reporting of known fraudulent data is causing serious damage to my reputation, employment, and financial opportunities.

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