vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I asked XXXX XXXX XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR ID DOCS AND FULL DISPUTE LETTER WITH ACCOUNT NUMBERS ] My credit reports contain demonstrably false and impossible information regarding my XXXX XXXX XXXX accounts, which has caused me financial harm. The information is so corrupted that it proves a fundamental failure of data integrity. 

I was never late on these accounts. All derogatory marks are the result of the furnishers profound failure to maintain accurate records. I have XXXX primary concerns that prove the reports are invalid : Late Payments on a Paid-Off XXXX XXXX  XXXX : For the XXXX XXXX  XXXX , my credit reports are showing late payments for XXXX and XX/XX/XXXX, even though the loan was paid in full on XX/XX/XXXX. This is a factual impossibility. Furthermore, the official payoff document provided by XXXX lists an impossible title release date of XX/XX/XXXX, which proves the data is unreliable. The unreliability of the furnisher 's data is also evident in the conflicting and unverifiable payment history reported throughout the life of the loan. This is not a one-time error ; the report shows over 13 late payments from XXXX, a pattern of inaccuracy that renders the entire history suspect. 

Late Payments on a Closed XXXX XXXX XXXX : For the XXXX XXXX Lease, which was closed over seven years ago in XX/XX/XXXX, my credit reports are showing late payments for XXXX and XXXX of XXXX. This is a direct violation of federal law which prohibits the reinsertion of negative information on a closed account. 

These are not minor errors. The reporting is so illogical and contradictory that the entire payment history for these accounts is suspect. I have previously disputed this information, but the bureaus have failed to conduct a reasonable investigation, which is a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
[ SEE ATTACHMENTS FOR ID DOCS AND FULL DISPUTE LETTER WITH ACCOUNT NUMBERS ] My credit reports contain demonstrably false and impossible information regarding my XXXX XXXX XXXX accounts, which has caused me financial harm. The information is so corrupted that it proves a fundamental failure of data integrity. 

I was never late on these accounts. All derogatory marks are the result of the furnishers profound failure to maintain accurate records. I have XXXX primary concerns that prove the reports are invalid : Late Payments on a Paid-Off XXXX XXXX  XXXX : For the XXXX XXXX  XXXX , my credit reports are showing late payments for XXXX and XX/XX/XXXX, even though the loan was paid in full on XX/XX/XXXX. This is a factual impossibility. Furthermore, the official payoff document provided by XXXX lists an impossible title release date of XX/XX/XXXX, which proves the data is unreliable. The unreliability of the furnisher 's data is also evident in the conflicting and unverifiable payment history reported throughout the life of the loan. This is not a one-time error ; the report shows over 13 late payments from XXXX, a pattern of inaccuracy that renders the entire history suspect. 

Late Payments on a Closed XXXX XXXX XXXX : For the XXXX XXXX Lease, which was closed over seven years ago in XX/XX/XXXX, my credit reports are showing late payments for XXXX and XXXX of XXXX. This is a direct violation of federal law which prohibits the reinsertion of negative information on a closed account. 

These are not minor errors. The reporting is so illogical and contradictory that the entire payment history for these accounts is suspect. I have previously disputed this information, but the bureaus have failed to conduct a reasonable investigation, which is a violation of my consumer rights.

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 2025-08-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Both Experian and XXXX XXXX continues to falsely note a misrepresentation of the requested investigation on my credit file. Each time both companies update the account as " verified '' without providing proof and or evidence that is timestamped of these alleged late payments in XXXX. This repeated violation has occured over XXXX times in counting and each time I request a validation of the alleged late payments, my request is ignored by both companies as they continue to mislead and failure to remove the inaccurate and unverified information. Both companies have 7 days to respond. The last false report was updated on XXXX by Experian.

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 2025-08-02 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Both XXXX and Goldman Sachs continues to falsely note a misrepresentation of the requested investigation on my credit file. Each time both companies update the account as " verified '' without providing proof and or evidence that is timestamped of these alleged late payments in XXXX. This repeated violation has occured over XXXX times in counting and each time I request a validation of the alleged late payments, my request is ignored by both companies as they continue to mislead and failure to remove the inaccurate and unverified information. Both companies have 7 days to respond. The last false report was updated on XXXX by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
My XX/XX/scrub> 2024 payment was made prior to my loan being moved over to the new Mohela platform. The amount was taken out of my bank account yet it did not get applied to my loans by the organization and I had to pay again as it showed I was delinquent. I have contacted them XXXX times via secure message and once via phone in order for that to be rectified. I have been double charged and was never reimbursed for the extra payment. I would like for that to be done quickly as it has now been XXXX  months since my complaint and nothing has been done.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I filed a claim for XXXX which my account was charged for something I didnt pay for. I had to cancel my debit card because of it and I was given a credit till they investigated. It was reversed and I was out XXXX which something was charged to my account which I didnt purchase.

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 2025-08-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I asked Discover for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX XXXX XXXX several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I asked Discover for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX XXXX  and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: WA

Complaint narrative:
I am currently enrolled as a full-time student, yet my loan servicer ( Mohela, previously XXXX XXXX XXXX is attempting to charge me $ XXXX in payments. I have informed them that I can not afford this amount while still in school and requested in-school deferment. Despite this, they have repeatedly attempted to withdraw funds from my account, which Ive explained I dont have. This has caused unnecessary stress and financial strain, and they have not shown any flexibility or concern regarding my enrollment status. Im asking for immediate deferment and for the collection activity to stop until Ive completed school and can work out a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  (Original Creditor: XXXX XXXX XXXX) Account #XXXXnaccount already settled with att please remove.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
XXXX  (Original Creditor: XXXX XXXX XXXX) Account #XXXXnaccount already settled with att please remove.'

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 2025-08-02 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: FL

Complaint narrative:
I am a victim of identity theft 605 ( B ) and have been in several data breaches and there are fraudulent accounts on my credit file that does not belong to 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 2025-08-02 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: WI

Complaint narrative:
Subject : Remove Unauthorized Inquiries Due to Identity Theft TransUnion To Whom It May Concern, Remove immediately the following fraudulent credit inquiries from my TransUnion credit report. These inquiries were not authorized by me and are directly tied to an incident of identity theft. I never gave permission to these entities to access my credit file, nor did I initiate any related credit application. 

The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) To support my claim, I am submitting my official Identity Theft Report from the Federal Trade Commission ( FTC ), Report Number XXXX, dated XX/XX/XXXX. This report was filed under penalty of perjury and documents that I am a victim of identity theft. 

Violations of Federal Law These inquiries violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 605B 15 U.S.C. 1681c-2 Credit bureaus must block all information resulting from identity theft, including unauthorized inquiries, within 4 business days after receiving an official identity theft report.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) Access to consumer reports is only allowed for a permissible purpose. These inquiries lack any lawful basis and were conducted without my knowledge or consent.

FCRA 611 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation within 30 days of receiving this dispute and remove any unverifiable or unauthorized information.

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 2025-08-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I asked american express ( amex ) for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting XXXX, XXXX, and XXXX  several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
I am disputing an inaccurate and unauthorized collection account currently being reported on my credit file. 

A collection account from XXXX XXXX with account number ending in XXXX was reported with an open date of XX/XX/year>, for a balance of {$800.00}. I did not authorize this account and have no relationship or prior dealings with this company. I believe this account is being reported in error or is the result of identity theft.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
I made a payment to my Total Visa credit card, which has been cleared by my bank, processed, and fully posted to my account. My online account even shows that I now have {$300.00} in available credit, yet Im unable to use it.

I contacted customer service, and they told me there is a delay of up to two weeks before I can access the funds, despite everything showing as cleared and available. There is no clear disclosure about this delay on the website or in my account, and no explanation for why a card that shows full available credit is being blocked. 

This is deceptive. It misrepresents my account status and restricts access to credit that should be available. I consider this a bad faith practice, and it has caused unnecessary stress and hardship. 

I am requesting a full investigation and that Total Visa be required to honor the availability shown in my account without hidden or unexplained delays.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been trying for a long time to get my report from Transunion. I can not access it at all. There are times I go and it says that I do not have enough credit history, despite the other credit bureaus reporting a score for me. I need my Transunion report to compare and contrast what other agencies are reporting. I tried making an account and I got a generic error code, and it wasn't able to verify my social security.

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