vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
Company : XXXXXXXX XXXX XXXX Issue : Incorrect information on credit report / Failure to provide statements/ Billing error Product : Credit Card I am submitting this complaint because XXXX XXXX XXXX  is reporting inaccurate, unverified, and misleading information to the credit reporting agencies regarding my former credit card account ending in XXXX. 

This account was paid in full and closed in or around XX/XX/year>. Immediately after payment, XXXX XXXX XXXX terminated my online access to the account while the account was still set to paperless. This means : * I could not view statements * I could not see any new charges or fees * I received no emails, no mailed statements, and no phone calls * I had no notice of any additional balance allegedly incurred after the account was closed Despite this, XXXX XXXX is reporting : * A past-due balance ( the amount has changed multiple times when speaking to representatives ) * XXXX late payments in XXXX. 
* A profit and loss write-off notation added after I formally disputed the billing accuracy This reporting is false and unsupported, because : * The account was paid and closed. 
* I was denied access to view any supposed charges. 
* XXXX XXXX has no proof of any statement or notice ever being sent about any alleged new balance. 
* Representatives gave me XXXX different balance amounts, none of which they could document. 

When I disputed the account, XXXX XXXX did not conduct a reasonable investigation and instead added a more negative remark. 

On XX/XX/year>, a XXXX XXXX representative XXXX XXXXXXXX XXXX confirmed to me that XXXX XXXX could not provide any proof of sending notice of additional balances or statements after the account was closed. She also admitted the portal was shut off while the account was still paperless. 

This is a violation of : * FCRA 15 U.S.C. 1681s-2 ( a ) duty to report accurate information; * FCRA 15 U.S.C. 1681s-2 ( b ) duty to conduct a reasonable investigation after a dispute; * Fair Credit Billing Act ( FCBA ) failure to provide periodic statements ; and * CARD Act failure to provide at least 21 days notice before payment due dates I mailed dispute letters to all three credit bureaus on XX/XX/year> ( via certified mail ), but XXXX XXXX updated the tradeline to a worse derogatory status ( profit and loss write-off ) before any investigation was completed and without providing validation. 

XXXX XXXX has not provided : * an itemized account history * documentation of charges or fees * copies of any statements * proof of notice * proof of mailing They have not verified the debt and can not support the negative information they are furnishing.

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 2025-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: MOHELA
State: CA

Complaint narrative:
I have applied to get these predatory loans discharged 3 times and denied. I know for a fact that they are approving some and denying others without logical explanation. The school is closed and proven to be a for profit predatory school. The federal loans were discharged already. I am XXXX, I dont work and I have paid back these loans already but because of criminal interest, I would never pay them back the rest. Many private student lenders made huge profits by collaborating with predatory for-profit schools knowing that students would likely not repay them. Decades later, even after these schools are long gone, students and their family members who cosigned loans are still being held hostage. Many have repaid what they borrowed, but compounding interest means they owe that same amount twice over. My denial makes no sense. They cant randomly pick and choose who bleeds more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-11-30 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: IL

Complaint narrative:
I am formally disputing the accuracy of the following account on my credit report : Creditor Name : XXXX Account Number : N/A Account Opened : XX/XX/year> Account Status : In Collections/ Derogatory This account is reported as In Collections with 0 % of payments made on time. However, there is no record of missed payments or a last payment, making this account inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I demand that this account be completely removed from my credit report and not be reported again in the future. If the creditor can not provide complete and verifiable proof of the reported information, the account must be permanently deleted from my file. Please provide written confirmation that this account has been removed permanently. I have included copies of supporting documentation and identification to assist in your investigation. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
I am formally disputing the accuracy of the following account on my credit report : Creditor Name : XXXX Account Number : N/A Account Opened : XX/XX/year> Account Status : In Collections/ Derogatory This account is reported as In Collections with 0 % of payments made on time. However, there is no record of missed payments or a last payment, making this account inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I demand that this account be completely removed from my credit report and not be reported again in the future. If the creditor can not provide complete and verifiable proof of the reported information, the account must be permanently deleted from my file. Please provide written confirmation that this account has been removed permanently. I have included copies of supporting documentation and identification to assist in your investigation. Thank you for your immediate attention to this matter.

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 2025-11-30 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: FL

Complaint narrative:
I am writing to formally request an investigation into three inaccurate and unauthorized items that appear on my credit report. These items do not belong to me and are negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed as soon as possible. 
The inaccurate items are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted the credit bureaus and/or the original creditors regarding these inaccuracies, and I am requesting your assistance to ensure that a proper investigation is conducted. I believe these accounts are either the result of an error or fraudulent activity. 
Please confirm receipt of this request and notify me of the results of your investigation in writing. Enclosed are copies of my identification and any supporting documents related to this dispute. 
Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring that my credit file is accurate and up to date.

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 2025-11-30 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: FL

Complaint narrative:
I am writing to formally request an investigation into three inaccurate and unauthorized items that appear on my credit report. These items do not belong to me and are negatively affecting my credit standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be investigated and removed as soon as possible. 
The inaccurate items are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted the credit bureaus and/or the original creditors regarding these inaccuracies, and I am requesting your assistance to ensure that a proper investigation is conducted. I believe these accounts are either the result of an error or fraudulent activity. 
Please confirm receipt of this request and notify me of the results of your investigation in writing. Enclosed are copies of my identification and any supporting documents related to this dispute. 
Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring that my credit file is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting a complaint regarding inaccurate late payments furnished by Capital One and reported on my XXXX credit file.

The reported 30-day and 60-day late payments iXXXX XXXX on account ending XXXX are inaccurate, inconsistent, and unsupported by proper documentation. XXXX has failed to provide the required method of verification under FCRA 611 ( a ) ( 7 ), and Capital One has not supplied any timestamped payment records, internal account notes, or billing statements to substantiate the alleged delinquencies.

Capital One has a documented history of regulatory actions and litigation related to inaccurate payment posting, billing errors, and reporting failuresissues that raise additional concerns about the reliability of the information furnished in this case.

I dispute the accuracy of these late payments under : FCRA 611 ( Reinvestigation ) FCRA 623 ( a ) ( 1 ) ( A ) ( Duty to report accurately ) FCBA 1666 ( b ) ( Billing accuracy and correction requirements ) Despite my formal written disputes, XXXX continues reporting the late payments without providing verification, and Capital One has failed to correct or validate the information as required by law. 

I am requesting the CFPB to : 1. Require Capital One to provide complete payment posting logs and documentation ; 2. Require XXXX  to produce its method of verification ; 3. Enforce correction or deletion of any unverified or inaccurately furnished payment history ; 4. Ensure full compliance from both the furnisher and the credit reporting agency. 

I am seeking the deletion of the inaccurate late payments and the correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account ( XXXX XXXX  ) in the amount of {$670.00}, has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the past two weeks, TransUnion has blocked my access to my online account without providing any valid explanation or assistance. My account access was suspended shortly after I began actively disputing and questioning inaccurate information in my credit report. Since then, I have been unable to view, monitor, or manage my own credit file. 

I contacted TransUnions customer support multiple times during this two-week period. Each time, the representatives told me that the account suspension was due to multiple login attempts and that access would be restored within the day. This never happened. 

During several of these calls, representatives either disconnected the call, refused to provide information, or began asking additional identity-verification questions. Even though I answered the questions correctly, they repeatedly claimed they could not verify my identity and refused to help. This pattern suggests intentional obstruction and is preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ), including access to the information held in my credit file.

TransUnions refusal to restore my account access for over two weeks, combined with their refusal to verify my identity despite correct answers, constitutes unfair and unlawful conduct. This ongoing suspension has caused significant harm, as I can not review disputed items, monitor for errors, or manage the issues in my credit report.

I am requesting CFPB intervention because TransUnion has repeatedly refused to correct the issue, has not provided any legitimate justification for the suspension, and continues to block my access to my own credit 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 explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This account is being reported with contradictory and inaccurate statuses ( marked as both Closed and Open ) and labeled as a Collection/Charge-Off without providing any verifiable proof of liability. Under FCRA 602 605 and 607 credit bureaus and furnishers are prohibited from reporting false misleading or unverifiable information. CAVALRY PORTFOLIO is claiming a debt originating from XXXX XXXX  without providing a signed application original contract itemized statement or legal documentation validating the XXXX balance. Because the reporting contains conflicting statuses and no proof of ownership or assignment this account is inaccurate misleading and not legally verifiable and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
According to information provided to me, an account was opened on XXXX XXXX2025 without my knowledge or consent. I immediately filed a complaint withXX/XX/XXXX and XXXX when I noticed a new account on my report. I also contacted the company, Macy's/Citibank ( Macy 's ) and reported that the account was fraudulently opened. Macy 's stated that they did an investigation and denied my claim. No specific details have been provided to me to show how the account was opened. Therefore, I can't determine the origin of the fraud and or sufficiently dispute how it was opened. The account has been closed, however, the company is reporting that payments are pass due. In addition, I never received the credit card. This is affecting my credit score. In addition, I did not received any details of the charges that did process so that I could dispute those as well. I have spoken to several representatives with the company since XX/XX/scrub> 2025 and have not been able to resolve the issue and get the late payments removed from 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting inconsistent, incorrect, and conflicting information about the same loan account from XXXX XXXX. These errors materially affect my credit profile and violate the requirement for furnishers to report accurate and consistent information under the FCRA ( Fair Credit Reporting Act ). 

Below is a summary of the inaccuracies, taken directly from my current credit reports : 1. The same loan is being reported with different names, balances, statuses, and dates across all three bureaus. 

Equifax Creditor Name : Friendly Loans Account Type : Installment Date Opened : XX/XX/XXXX Status : Charge-off Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Charged off account Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Creditor Name : XXXX XXXX XXXXXXXX Account Type : Note Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$100.00} Past Due : {$100.00} Last Payment Date : XX/XX/XXXX No charge-off comment listed Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Creditor Name : XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Status : Charged off as bad debt Status Updated : XX/XX/XXXX Balance : {$160.00} Past Due : {$160.00} Last Payment Date : XX/XX/XXXX Comments : Profit and loss writeoff Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Specific inaccuracies across reports Different creditor names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) appear for the same account. 
Different balances are being reported ( {$100.00} vs. {$160.00} ). 
Different past-due amounts ( {$100.00} vs. {$160.00} ). 
Different charge-off details and comments. 
Different status updated dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 
Different addresses for the same creditor. 
Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
Experian shows {$100.00} written off, while the other bureaus do not. 
Experian reports a Note Loan, while Equifax and TransUnion report Installment account. 
These inconsistent records make it impossible for this tradeline to be accurate.

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