vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Kindly inspect the documents ; the inquiries arrived without warning and might lack authorization.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal seized my entire XXXX XXXXXXXX deposit of {$1400.00} through an unauthorized automatic internal sweep. I am homeless with a XXXX XXXX. This was my only income and I am now left with no money for food, transportation, shelter, or my childs needs. 

The overdraft was caused by XXXX merchant disputes where the merchants ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) misrepresented their refund policy. Navy Federal has denied my dispute twice and is forcing me to repay the overdraft despite the transaction being under investigation. 

I did NOT authorize the transfer between my accounts. This sweep placed me in immediate financial danger. 

Navy Federal issued only a {$200.00} hardship refund and refused to restore the rest of my XXXX  XXXX  even after I informed them I am homeless and caring for a baby. This is a violation of hardship protections and deprives me of federally protected XXXX XXXXXXXX funds. 

I am requesting CFPB assistance to restore the full XXXX XXXXXXXX and to review Navy Federals handling of the hardship reversal, dispute process, and treatment of a homeless XXXXdependent parent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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 identity was stolen XX/XX/year> during a burglary and was then used to open several accounts fraudulently. XXXX XXXX and XXXX XXXX were both convicted. I have provided police reports, identity theft affidavits and charging instruments. 

XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Enclosed are supporting documents for your review.

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 2025-12-02 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Enclosed are supporting documents for your review.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Around XXXX, I practically stopped using my credit card because of my limit. My monthly statements showed that I was making regular payments of around $ XXXX {$250.00}, but because Chase maintained my APR at around 29.99 %, almost all of my payments went to interest ( $ XXXX {$160.00} per month ), and my balance barely went down. Furthermore, despite making regular payments and virtually no new expenses, the balance continued to grow. 
. In a phone call on Saturday ( XX/XX/XXXX ), a bank representative tried to convince me that after XX/XX/XXXX, I somehow managed to make an {$810.00} purchase, even when I was already at my limit and the system itself physically couldn't allow it, and he couldn't help but notice that this looked more like an internal adjustment, a double charge, or interest accrual that Chase was charging for a consumer purchase. This was misleading and prevented me from understanding the true nature of the charge. Since a translator was involved in the conversation, Chase should have a complete and accurate record of the conversation. 
At the same time, Chase refused to offer any hardship assistance. I lost my job, applied for unemployment, and explained that with a 29.99 % APR, I couldn't realistically repay the debt. I applied for a hardship assistance plan with a fixed payment and a reduced or XXXX APR, expressing my full commitment to repaying the debt, but Chase told me I " didn't qualify '' for any program and offered no realistic solution. As a result, my balance increased from approximately $ XXXX {$5000.00} in XXXX to approximately {$6400.00} in XXXX, despite regular payments and virtually no new expenses. 
I understand that I am responsible for the legal repayment of the principal. However, I believe that : maintaining my account at a nearly 30 % APR during a period of documented hardship, allowing my balance to grow despite making regular payments, and misclassifying a domestic transaction of {$810.00} as a " purchase '' are unfair and misleading under the Credit CARD Act, Regulation Z, the Fair Credit Card Billing Practices Act, and UDAAP standards. 

Therefore, I request that you review my entire account history from XXXX. 
Review the interest and fee records that caused my balance to increase while making regular payments, and reduce or write off a reasonable portion of the accrued interest. 
Offer me a realistic hardship repayment plan or a fixed-rate plan with a significantly reduced or XXXX annual percentage rate ( APR ) so I can pay off the remaining principal. My only goal is to repay the legitimate principal amount without getting trapped in the 29.99 % annual interest rate due to unemployment. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I found a XXXX XXXX loan added to my credit report in XX/XX/year> from Mohela. I did not take out a loan, nor did I register or XXXX XXXX XXXX XXXX. I was able to get a copy of the promissary note from Studentaid.gov. Some information was taken from my credit report but most of the information was incorrect though someone eletrinically signed my name. I filled the loan discharge application for false certification Identity theft with Mohela in XX/XX/year>. I filed a police report and a report to the FTC. Mohela asked for additional information in XXXX and I sent that to them. The school that recieved the check, XXXX  XXXX XXXX, had me file an affidavadit and they investigated and sent a letter stating they determined it was fraud, that I never attended or registered there. I sent that letter to Mohela and I can't get them to respond. Repayment on this fruadualent loan starts in XXXX and is on my credit report. I am not paying it as it is not my loan. I need Mohela to wrap this up and get this off my credit report but I have sent XXXX messages through the portal with no repsonse. I have already lost over XXXX hours on dealing with this issue including hours on hold with Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One is reporting multiple inconsistent and inaccurate details about my account across the XXXX credit bureaus, which violates the FCRA requirement of maximum possible accuracy. 
XXXX  and XXXX  are reporting the account as closed and charged-off, with a past-due amount of {$3700.00}. However, XXXX  is reporting the same account as open and current, with a balance of {$3300.00} and {$0.00} past due. An account can not simultaneously be charged-off, closed, open, current, and have different balances. 
Additionally, all three bureaus show different Dates of Last Activity and different Date Reported, which further proves Capital One provided conflicting and inaccurate information. 
These inconsistencies mean Capital One failed to report accurate, complete, and consistent data to the bureaus, in violation of FCRA 607 ( b ) ( duty of furnishers to report with maximum accuracy ) and FCRA 602 ( a ) ( fair and accurate reporting requirements ).

Because the information being furnished is contradictory, incomplete, and factually incorrect, I am requesting a full investigation and correction or deletion of the Capital One account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX credit applications were submitted without my knowledge for store cards to Synchrony XXXX XXXX bank. Hard credit check has occurred by Synchrony Bank and looking to dispute.

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 2025-12-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 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: IL

Complaint narrative:
I was reviewing my credit report and noticed an auto loan, and a XXXX XXXX on my credit report that I had no knowledge of. I am in the process of buying a home and I need this removed immediately. According to the 15 U, S, C 1681 there should not be any damages to my report, after I was involved in the XXXX  data breach and it is a defamation of my character.

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 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
In XXXX, I received {$10000.00} in loan funding through a title-collateral installment loan secured by my car, with a documented total repayment amount of {$15000.00}. 

At the time, I had just stepped into running our family business after becoming a widow when my XXXX XXXX XXXX  XXXX. As a newly widowed mother with children depending on me and new to business operations and loans, I did not fully understand how compounding servicing fees and optional insurance products could prevent principal reduction long-term. 

Despite making consistent monthly minimum payments for years, the loan balance has not meaningfully decreased because recurring servicing fees, late fees, and ongoing life and disability insurance premiums continue being added, absorbing payments before principal can be reduced. I previously contacted the lender seeking clarification, requesting a loan contract copy, APR explanation, a fee and insurance breakdown, and hardship or principal-focused payoff options. However, the account remains in a cycle of fees and insurance charges, leaving no clear or realistic path to payoff. 

I respectfully request the CFPB investigate : 1. Whether fees and insurance premiums were mandatory, optional, and clearly explained at signing.

2. Whether recurring charges have been applied lawfully and accounted for accurately.

3. Whether I qualify for hardship-based relief such as fee freeze or restructure so future payments reduce principal.

4. What payoff, settlement, or charge-off payoff options may exist that prevent further fee accumulation? 
I intend to repay the original loan. I am seeking transparency, fairness, accurate accounting, and an achievable payoff path without continuing charges preventing principal reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, unauthorized, and unverified items that the credit reporting agency has failed to properly validate or remove.

1.Unauthorized Hard Inquiries My credit report shows two hard inquiries from XXXX XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX ) and one hard inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX ). I did not apply for credit with these companies, did not authorize them to access my credit report, and have never had any accounts or dealings with them. These inquiries were made without permissible purpose under the Fair Credit Reporting Act. I disputed these inquiries, but they remain on my report without verification.

2.Unverified Medical and Collection Accounts My credit report also contains four collection accounts that are inaccurate and unverified. 

A. A medical collection from XXXX XXXX XXXX  for XXXX XXXX XXXX  XXXX, reported XX/XX/XXXX with a balance of {$2800.00}. I have never received any itemized bill, notice of collection, or validation proving that I owe this amount. 

B. A second medical-related collection account previously appearing on my report. I have not received any billing, notice, or documentation proving this account is mine.

C. A collection account opened on XX/XX/XXXX showing {$180.00} past due as of XX/XX/XXXX. I never received any notice or explanation for this account and have no documentation linking me to this debt.

D. A collection account opened on XX/XX/XXXX showing {$150.00} past due as of XX/XX/XXXX. I did not receive any communication, itemized bill, or verification showing that I owe this debt. 

For all four of these collection accounts, no documentation required under the FCRA or CFPB medical debt reporting rules has been provided. None of these debts have been validated or itemized, and no proof of responsibility has been shown.

3.Harm and Requested Resolution These unauthorized inquiries and unverified collection accounts are harming my credit. I am requesting that the CFPB require the credit bureau and the companies involved to provide full documentation proving authorization for each hard inquiry and full validation for all XXXX collection accounts. Any item that can not be verified with proper documentation should be removed immediately as required under the FCRA.

Provide documentation proving authorization for each hard inquiry Provide complete validation for both medical collections Remove any item that can not be fully verified with proper documentation

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 2025-12-02 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: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that : XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 
XXXX of XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as 90day late payments on XX/XX/year>- XX/XX/year>. 


Under FCRA XXXX, you have * * 30 days * * to investigate and correct or delete the disputed information : contentReference [ XXXX ] { XXXX }. Failure to do so will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and my State Attorney General and pursue further remedies under 15 U.S.C. 1681n and 1681o.

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