vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: IN

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXXXXXX 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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested a wire transfer from my Bank of America checking account to my XXXX savings account in order to set up that XXXX account. I tried a regular transfer but was told there was an issue connecting my Bank of America checking account to my XXXX account. So I tried a wire transfer instead. The wire transfer failed and I was still charged both an outgoing wire fee ( {$30.00} ) and an incoming wire fee ( {$15.00} ). I was basically charged to receive my own money when the wire failed. I called BofA and requested they return these fees. They refunded the {$15.00} but refused to refund the {$30.00} fee. I spoke with the claims department, the wire department, and a third department they did not identify. No one could tell me why the wire failed nor could they provide me with information about why I was charged two fees for something that didn't work. I then told BofA that they had essentially stollen {$30.00} from me in exchange for a product that didn't work. In any other industry I would be refunded for a product that didn't work, or not charged in the first place. This is a violation. I have been a customer for over a decade and am shocked they wouldn't revert this steep fee. Bank of America has stollen my money.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: WA

Complaint narrative:
I have made multiple attempts to call Mohela to get my student loan forbearance lifted ( that I was placed on unknowingly and unwillingly ), so that I can resume paying towards PSLF, but have gotten nowhere. Each attempt, I am on hold waiting for an agent for hours and when I finally get to someone, they are no able to assist. My request is simple, take the hold/forbearance off so that I can start paying again instead of letting the loans sit and accrue interest and be unable to make any progress with them. I have filled out two IDR/ICR applications, one in XX/XX/scrub>XXXX XXXX ( still under review ) and another XXXX XXXX  ( also under review ). The company is making it very hard for their clients to get assistance with their loans. Please help if possible.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: WI

Complaint narrative:
I am resubmitting this complaint because my previous CFPB dispute ( Case # XXXX ) was closed without resolution, and Equifax failed to provide any valid documentation. 

I am disputing a charge-off reported by XXXX XXXX ( Account XXXX ). Equifax claims that the account was updated with information from the original source, yet no contract, no signed agreement, no proof of authorization, and no 1099-C form were ever provided to justify this charge-off status.

Under the FCRA and IRS regulations, if this account was charged off and the debt was forgiven, I am legally entitled to receive a Form 1099-C. The failure to provide this form strongly suggests that the balance may have already been written off or discharged for tax purposes.

I am requesting the permanent deletion of this account from my credit report unless Equifax or XXXX XXXX can provide legally admissible documentation validating the debt, including : A copy of the signed contract Proof of authorization to report Detailed account breakdown A valid 1099-C if the account was indeed charged off This is my second formal request. If this issue is not resolved in compliance with the FCRA and other applicable laws, I will escalate it to the FTC and consider legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a late payment that is currently listed on my credit report. Upon close review of my records, I have determined that the payment was made in accordance with the agreed-upon schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion credit bureau at XXXX XXXX. on Sunday XXXX  to discuss fraud alerts and access given to fraudsters to my account. 
Spoke to XXXX, a supervisor who placed a frozen status on my account and a fraud alert. She also added notes to account stating no changes are to be made and no freezes lifted. 
I have requested a 7 year extended fraud alert on all information on credit reports. 
I also have screen shots of a chat I found on my online account with TransUnion which has been deactivated by a supervisor, XXXX XXXX due to fraud committed on the TransUnion online site. 

The fraud began on XXXX XXXX XXXX with my first notification from XXXX XXXX. From there it escalated to multiple attempts of credit applications being submitted to all 3 credit bureaus. 

On XX/XX/XXXX I was on the Transunion website and went into a chat with a representative and noticed a previous chat from the day before and it was not me. From that chat I discovered someone impersonating myself. In that chat they were asking for log on help and e-mail account information. They also gave their phone as XXXX. And they updated my account with their e-mail, XXXX. The TransUnion representative then sent them a secure form : PII Form for them to fill out, which they could do this since they have stolen all my information. The TransUnion representative updated my e-mail address to the fraudsters e-mail address.

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 2025-07-14 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 has violated my rights. 

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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-07-14 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 has violated my rights. 

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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I went to the Concora Credit website to check the balance on my card when I noticed there was a new card added to my account showing I owe them {$250.00} for an annual fee. This card is one they have been pushing on me, popping up every time I went into their website. The last time I was there, I checked the terms and decided I did not want it, so I did not request it. However, they gave it to me anyway. I called today ( XXXX ), and they are trying to blame it on identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am in debt {$790.00} from an account that was opened on XX/XX/year>. I was XXXX XXXX XXXX and my mom opened an account using my social security number in my name. I want to dispute the debt or do what I can so I dont have to pay it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I was told my whole loan would be forgiven. I stopped paying because of that. They harassed myself and my parents every day for 6 months because of " oweing back payments '' which should not have been since the loans should have been forgiven. Consistently asked for paperwork that was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Companies that pulled my credit or tried to access my credit from Equifax without authorization. or someone tried to access my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Companies that pulled my credit or tried to access my credit from Transunion without authorization.or someone tried to access my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Companies that pulled my credit or tried to access my credit from Experian without authorization.or someone tried to access my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe my information was stolen and now this debt collector wants to take my money. I successfully disputed this collection off my credit report last year and then it pops up again. This should be illegal for all of these 3rd parties to have my information passed around if its being used. It violates 1692 G. I was never sent any letters. I need this to taken off immediately of legal action will be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a checking account with Fifth Third Bank on XXXX XXXX XXXX, during a publicly advertised promotion offering a {$350.00} cash bonus for new accounts opened by XXXX XXXX XXXX The qualifications outlined by the website were to open the account and make deposits of at least {$500.00} within the first 90 days to qualify for the bonus. At no point during the application process was I prompted to enter a promotional code, I was never emailed a code, nor was I made aware that one was required to qualify. I carefully followed the terms as stated and had my paycheck of {$2100.00} direct deposited into the account. 

I only learned after the fact, when the bonus failed to appear, that I allegedly needed to enter a promo code. However, I was never sent a code, and the website did not indicate this was necessary to qualify. 

To make matters worse, my partner opened an account with Fifth Third approximately four weeks earlier, did not enter a promo code, was never sent one, and still received the promotional bonus. This inconsistency strongly suggests the bonus code requirement is either selectively enforced or not transparently communicated to customers. 

When I contacted both the branch and customer service, I was told there was nothing they could do, and that I was not eligible for the bonus because I didnt enter a promo code. This response is unacceptable given that I met all publicly stated requirements and was never given an opportunity to enter a code. I feel misled and penalized due to Fifth Third Banks failure to clearly disclose the full terms of their promotion during the account opening process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are inquiries listed on my credit report that I do not recognize. I did not apply to these companies nor did I give them permission to access my credit information. This is a violation of my rights as a consumer, and it adds unnecessary stress to an already difficult situation.

Company response to consumer: Closed with explanation