vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Debt Request for Debt Validation Request Pursuant to 15 U.S. Code 1692 ( FDCPA ) Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. I recently obtained a copy of my credit report and noticed a collection account listed under your name with the following details : 1. Creditor : Midland Credit Management 2. Account Number : XXXX XXXX. Balance : {$1200.00} 4. Date XXXXXXXX  XXXX. Reported Past Due : XX/XX/year>XXXX  As provided by the Fair Debt Collections Practices Act, I am requesting that you provide competent evidence that I am legally obligated to this debt. Please provide the following : 1. A full accounting of the alleged debt, including all charges, interest and fees. ' 2. The name and contact information of the original creditor.

3. A copy of the signed agreement or contract that legally obligates me to this debt.

4. Proof that your agency owns or has been assigned the debt and is legally authorized to collect it.

5. Your license number and proof you are authorized to collect debts in my state. 

While I investigate this matter, I request that you cease all collection efforts and refrain from reporting this account to any credit bureaus until validation is complete. If you are unable to provide the documentation requested, you must delete this account from my credit report and stop any further collections actions. This letter is not an acknowledgement or acceptance of any liability for the alleged debt. I am merely exercising my right to request validation under the federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Against : JPMorgan Chase Bank , N.A . ( issuer of my credit card ) and XXXX  XXXX XXXX XXXX XXXX ( XXXX, the card benefit administrator ) Product/Service : Credit card Purchase Protection benefit Claim Number : XXXX Date of Denial : XX/XX/year>XXXX  Complaint : I filed a Purchase Protection claim through my Chase credit card, administered by XXXX  XXXX XXXX XXXX XXXX ). My claim was denied on the basis that the item a XXXX designer toy was categorized as an antique or collectible. 

This is incorrect. The item was brand-new retail merchandise, purchased at XXXX XXXX XXXX XXXX XXXX for {$450.00} on XX/XX/year>XXXX  ( receipt attached ). It was delivered through the mail but stolen, as documented in my XXXX Police Department theft report ( # XXXX ). 

I filed all required documentation ( purchase receipt, police report, claim form ) within the time limits. Despite this, XXXX  XXXX XXXX denied my claim by misclassifying the item as an antique/collectible a category it does not belong to. This appears to be an attempt to avoid payment under the policy. 

Resolution Requested : I request that CFPB investigate and require Chase and its card benefits administrator to honor the Purchase Protection claim. This item was a new consumer product, properly documented, and should be covered under the benefit.

Attachments : Denial letter from XXXX ( XX/XX/year> ) Police report ( XXXX XXXX # XXXX ) Purchase receipt ( {$450.00}, XXXX XXXX, XX/XX/year>XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I sent an international transfer from my XXXX account in XXXX via XXXX to my business account at Mercury. The transfer failed because it was sent in the wrong currency. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX, ND ), confirmed the funds were returned on XX/XX/year> via XXXX. Mercury later stated the funds were forwarded to XXXX for return. 

Despite this, my sending institution has not received the funds back. I have contacted Mercury over 10 times and escalated to compliance, but they have not provided the XXXX XXXX reference or confirmed the exact return path. XXXX is investigating, but the funds remain missing nearly a month later. 

This situation has exceeded the expected 10-business-day refund timeline under consumer protection standards for failed transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
Because XXXX XXXX XXXX  has reported this account as a profit and loss write-off without providing a 1099-C or proper verification documents, and because the credit bureaus continue to report contradictory information ( charge-off/write-off status while showing an active balance and missing payment status ), this tradeline is inaccurate and unverifiable under FCRA 607 ( b ) and 611. 

I request that this account be permanently deleted from all credit bureau reports. If not, I am requesting copies of the 1099-C and full verification documents showing how this account was lawfully verified.

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Money was transferred via XXXX amount {$700.00} with Bank of America, Right phone no. was used to send the money, however it went to wrong person. Called bank next day of the money transfer about the issue. Claim is denied without informing me.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and/or unverifiable information and is negatively affecting my credit standing. I have disputed this information directly with the credit bureau ( s ), but the items remain on my report without proper investigation or correction. The inaccurate reporting is misleading, unfairly damaging my creditworthiness, and has caused difficulties with obtaining credit, housing, and financial opportunities.

I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only accurate, verifiable information be reported, and that disputes be investigated fairly and in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is highly alarming and strongly indicates potential identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VT

Complaint narrative:
I am filing this formal complaint against MOHELA, a federal student loan servicer, and the U.S. Department of Education. My sensitive data has been allegedly accessed without authorization, and my complaint about this matter has been improperly dismissed. 

On [ Date ], I wrote to MOHELA, citing public reports that the Department of Government Efficiency ( DOGE ) had gained unauthorized access to millions of borrowers ' data, including my own, in a potential violation of the federal Privacy Act of XXXX. I requested an investigation and a plan for data security. 

On [ Date ], MOHELA responded by mischaracterizing my complaint. They dismissed my serious privacy concerns as a " frivolous '' credit dispute under the Fair Credit Reporting Act ( FCRA ). They failed to address the core issue of the privacy violation and instead demanded irrelevant documents. A copy of both letters is attached. 

MOHELA 's response is an unacceptable and dismissive failure to handle a serious data security complaint. Their actions demonstrate a disregard for my rights and for the security of my personal information. 

Requested Resolution : I request that the Vermont Attorney General 's Office intervene. I ask for an investigation into MOHELA 's actions and for your assistance in compelling them to : Explain the extent of the unauthorized data sharing. 

Provide a clear plan for securing my data moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
There is an ongoing issue with Barclay credit card and they can not seem to resolve and will be at their 60 day deadline XX/XX/year>. 
Mean while i set up the automatic autopay that was turned off in XXXX and i reactivated that in XXXX. I authorized Barclay and I have the printed doc with confirmation to autopay on the XXXX of each month {$100.00} Barclay went and pulled {$490.00} without my authorization. 
They need to be monitored, they have made my account so messed up. They closed acct for now reason in XXXX have given me several excuses, they have then issued me out 6 more cards with new acct numbers to then say they are closed.

However they are breaking the law by pulling money from my checking acct unauthorized and they need some accountability, they never should have done this my original complaint should already be resolved and yet no one has any idea there what is going on. 
DO NOT close this complaint stating its duplicate IT IS NOT the are ILLEGALLY taking my money when not authorized!!! FYI even with them closing acct I have made all my payment on time and a huge amount more than minimum payment so there is NO excuse for this

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 monetary relief
Consumer complaint received 2025-09-08 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: Monterey Financial Services LLC
State: TN

Complaint narrative:
Someone stole my wallet several years ago, and the result of that caused many problems. I had about 8 accounts opened in my name without my consent, and I've been trying to remove them ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: WA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXXXXXX  my mortgage was transferred to Selene Finance. Beginning immediately after the transfer, Selene furnished inaccurate information to XXXX XXXX  and XXXX  in violation of the Fair Credit Reporting Act and XXXX XXXX reporting standards. 

Selene reported the account with a Date Opened of XX/XX/XXXX, even though they did not begin servicing until XX/XX/XXXX. This backdating created a false tradeline history. 

Selene also furnished a Date of First Delinquency of XX/XX/XXXX. Selene did not service the account at that time, and adopting a prior servicers delinquency creates dual DOFDs, which is prohibited by XXXX XXXX and results in inaccurate furnishing under FCRA section 623 ( a ) ( 1 ) ( A ). 

From XXXX through XX/XX/XXXX, Selene reported rolling delinquency codes that escalated each month : 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX, and 150 days late in XXXX. XXXX XXXX requires delinquency to freeze at the true DOFD ; progressive re-aging is knowingly inaccurate. 

XXXX shows a balance of {$590000.00} and a past due balance of {$24000.00} as of XX/XX/XXXX. These figures are inflated and inconsistent with the actual arrears transferred. Past due reporting must reflect contractual delinquency only. 

XXXX  shows Last Payment Date : XX/XX/XXXX, even though payments were remitted after that date. This misreporting creates the appearance of a longer default period than actually occurred. 

Despite my disputes, Selene has continued to furnish these derogatories and has not consistently coded the tradeline as Consumer disputes this information across all three bureaus, which violates FCRA section 623 ( b ).

The only valid delinquency occurred in XX/XX/XXXX and XX/XX/XXXX while the loan was still serviced by XXXX XXXX. All derogatories furnished by Selene after XX/XX/XXXX are inaccurate and unlawful. 

I request that Selene be required to correct its tradeline by : updating the Date Opened to XX/XX/XXXX, removing the backdated XX/XX/XXXX DOFD, eliminating all rolling late codes, correcting inflated balances, updating the last payment date, and properly coding the tradeline as disputed until resolved.

Company response to consumer: Closed with explanation