vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX | SSN : * -- XXXX | Phone : XXXX | Email : Date : XX/XX/XXXX To : Equifax Information Services, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : FCRA 611 ( a ) Reinvestigation & Deletion Collections/Charge-offs/Medical Dear Equifax, Under FCRA 611 ( a ), I dispute the following items as inaccurate/incomplete/unverifiable. Please correct or delete and provide an updated file. 

Items in Dispute ( Equifax ) XXXX XXXX ( all show CONSUMER DISPUTES REINVESTIGATION IN XXXX XXXX ; all Unpaid ) Collection Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$830.00} | Date Last Active : XX/XX/XXXX. 

Collection Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$860.00} | Date Last Active : XX/XX/XXXX. 

Collection Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$1300.00} | Date Last Active : XX/XX/XXXX. 

Issues for all three : Provide DOFD, assignment/authority, itemization, and ensure correct Metro XXXX XXXX coding ( Account Status/Payment Rating/Compliance Condition ). Delete if unverifiable. 

Credit Report - MyScoreIQ XXXX  XXXX  XXXX  Apartment ( XXXX XXXX XXXX ) Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$2400.00} | Last Active : XX/XX/XXXX ; shows collection classification and consumer disputes. 

Issues : Verify lease, ledger, move-out accounting, assignment, XXXX, and ensure consistent XXXX XXXX XXXX across bureaus ; delete if unverifiable. 

Credit Report - XXXX  XXXX  XXXX  XXXX  ( XXXX Anesthesia Partners ) Acct # XXXX | Opened : XX/XX/XXXX | Balance : {$1800.00} | Date Last Active : XX/XX/XXXX. 

Issues : Same as above ; furnish DOFD, proof of XXXX permissible use and assignment, itemization. Correct or delete. 

Credit Report - MyScoreIQ XXXX  XXXX ( XXXX  ) Acct # XXXX | Last Reported : XX/XX/XXXX | Status : Charge-off ; Past Due {$89.00}. 

Issues : Validate DOFD, Payment Rating, and whether past-due can be reported alongside CO/closed. Correct or delete. 

Credit Report - XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Acct # XXXX | Last Reported : XX/XX/XXXX | Comment : SETTLEMENT ACCEPTED ON THIS ACCOUNT ; Status : Charge-off. 

Issues : Post-settlement coding must reflect {$0.00} past-due and proper remarks ; correct any contradictory fields or delete if unverifiable. 

Credit Report - XXXX  XXXX XXXX ( Paid CO vs. CO discrepancy across bureaus ) Equifax shows Charge-off with {$0.00} balance and PAID CHARGE OFF ; align with XXXX and ensure no residual past-due. Correct if inconsistent. 

Credit Report - XXXX  Enclosures : ID, proof of address. 
Please complete reinvestigation and send me written results. 

Sincerely, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: MOHELA
State: NJ

Complaint narrative:
I am filing this complaint regarding my private student loan, which originated with XXXX XXXX, was later serviced by XXXX, and is now with Mohela. The loan was taken out for the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX, which has since closed permanently. I never graduated or received a degree or certificate from this school. 

Despite this, I have been making payments on this loan for roughly 20 years, and the balance has barely decreased due to the unreasonably high interest rate and constant capitalization of interest. I have likely paid far more than I originally borrowed, yet the debt remains due to predatory loan terms and the lack of available relief options for private student loan borrowers. 

The closure of my school and the fact that I received no degree or benefit from this education should make me eligible for loan discharge or forgiveness, but I have been unable to find any relief program that applies to private student loans like mine. The ongoing financial burden is causing severe hardship, and it feels unethical and unjust that I am still being forced to pay a debt tied to a defunct institution that can no longer be verified or held accountable. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in : Reviewing the legitimacy and enforceability of this private loan given the schools closure ; Determining whether the loan servicer ( Mohela, formerly XXXX XXXX XXXX has engaged in predatory or deceptive lending/servicing practices ; Exploring options for discharge, settlement, or relief of this long-standing, unjust debt. 

This loan has been a financial and emotional burden for decades, and I am seeking fair resolution and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
SHELLPOINT IS ENGAGING IN PREDATORY LENDING PRACTICES. I completed a loss mitigation application in XX/XX/year> and Shellpoint claimed to have not received it and moved forward with Foreclosure process. They added {$3500.00} in attorney and foreclosure fees they refuse to waive and also inflated the partial claim offer by claiming additional escrow owed outside of the monthly statement balance. I sent a XXXX/ notice of XXXX in XXXX which they continued to ignore and send letters stating that theyre working on a response. A follow up letter was sent certified mail in XXXX which no response was received also. They are attempting to force a XXXX  year refinance at XXXX XXXX doubling my interest rate and benefitting themselves while pushing me into foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 4 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 30 days 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Complaint Statement : My phone was stolen over the weekend, but I was able to locate and recover it through security services. Following the theft, I initially asked Marcus by Goldman Sachs to change my account contact information to my mothers phone number and my alternate email address so I could stay in contact with the bank.

Once I recovered my phone, I requested that Marcus update my contact information back to my original phone number and email address. However, the bank refused to update my information, which has effectively blocked me from receiving important account communications and updates regarding my account review and restriction.

As a result of their refusal to update my contact information, I have been unable to access my money or communicate with the bank about my account online or by phone. This has caused significant hardship and prevented me from managing my funds.

After I regained access to my original phone, Marcus made it even more difficult for me to access my account, further restricting my ability to manage my funds or verify my identity.

As a result of their refusal to update my contact information and the increased restrictions after recovering my phone, I have been unable to access my money or communicate with the bank about my account online or by phone. This has caused significant hardship and prevented me from managing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
FCRA not mine not my credit card XXXX XXXX  Account number XXXX Account type Business Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$16.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$14000.00} Highest balance {$16000.00} never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquires XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2025-10-07 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: MD

Complaint narrative:
As per 15usc 1611 XXXX XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX - Account Number : XXXX - Reported Late Payments : 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am disputing an account that Ally Financial is reporting to the credit bureaus. I previously requested full validation and evidence under FDCPA 809 and FCRA 1681i, including the original assignment contract, charge-off details, securitization records, IRS 1099-C , and proof of permissible purpose. Ally has not provided this documentation but instead sent a settlement letter dated XX/XX/year>, which constitutes continued collection activity without validation. 

This violates my rights under federal law. I am requesting that the Consumer Financial Protection Bureau require Ally Financial to : Cease all collection and credit reporting activity, Provide full validation documentation, and Remove this account entirely from Experian, Equifax, and TransUnion until proper validation is provided. 

Attached is a copy of XXXX XX/XX/year> settlement letter and my prior validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I requested on XX/XX/XXXX tthis process - control access to your data by requesting a data freeze at any time, at no cost. This freeze means many verifiers will be unable to view your data from The Work Number. 

Was told I have to wait a week for pin in the mail. This fraud I sent them all the necessary documentation and this can be done simply by email. 

They never had my permission to steal my salary history or employment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
u are told. do not close credit cards. Just cut them up when they send you new ones. I am online at Kohls and capital one card which is not activated and I was going to add my own credit card that I use only but it took my order before adding new and placed it on a non- opened Kohls credit card found out because I had the one previous from 1999 the answer was finally given to me that a virtual credit card is there forever it doesnt need expiration date that is wrong to hear so false information you need to close every credit card who cares what your credit report is cause its out there in virtual land and that needs changed on credit scores. I am terribly upset that they use my card. I will not buy what I purchased, I will never go back to Kohls their way of doing things, but I guess its out there on the Internet. Thats how they do things this needs changed on all stores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Ensure that all contested accounts are removed within the legal timeframe per 15 U.S. Code 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> 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 response to consumer: Closed with explanation