vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
am filing a formal complaint against XXXX XXXX for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ). XXXX  XXXX is knowingly reporting false, misleading, incomplete, and duplicative information to the credit reporting agencies Experian, Equifax, and TransUnion causing severe and unjustified damage to my credit file. 
XXXX. Duplicate Account Reporting XXXX  XXXX is reporting the same account multiple times under slightly different names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This creates the false appearance of multiple derogatory accounts, inflating my negative payment history and violating FCRA 602 ( maximum possible accuracy ) and 623 ( duty of data furnishers ). 
Continued Reporting After Account Closure XXXX  XXXX is reporting charge-offs month after month ( CO ) even though the accounts are closed. 
Reporting CO monthly in XXXX and XXXX after closure is factually incorrect, deceptive, and directly violates FCRA 611.

This is a re-aging tactic intended to keep the account appearing newly delinquent, which is illegal.

Inconsistent and Conflicting Information One entry reports a balance of {$950.00} on a closed account with a credit limit of {$850.00}, which exceeds the limit on a closed account this makes no sense and is unverifiable. 
Another entry reports a past due amount of {$390.00} with no accompanying payment history or active status. 
Dates of last activity, balance updates, and charge-off notations are conflicting across entries for the same account. 
Reporting on Accounts with No Payment History Some of the XXXX XXXX  entries reflect charged off as bad debt yet show no payment history whatsoever, making the charge-off status unverifiable and unsupported a direct violation of FCRA 623 ( a ) ( 1 ) ( A ).

THESE ACTIONS VIOLATE : FCRA 602 Failure to ensure maximum possible accuracy.

FCRA 611 Failure to correct or delete inaccurate/unverifiable information.

FCRA 623 Duty of furnishers to report accurate data.

FCRA 605B Failure to block information resulting from identity fraud ( if applicable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
am filing a formal complaint against XXXX XXXX for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ). XXXX  XXXX is knowingly reporting false, misleading, incomplete, and duplicative information to the credit reporting agencies Experian, Equifax, and TransUnion causing severe and unjustified damage to my credit file. 
XXXX. Duplicate Account Reporting XXXX  XXXX is reporting the same account multiple times under slightly different names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX This creates the false appearance of multiple derogatory accounts, inflating my negative payment history and violating FCRA 602 ( maximum possible accuracy ) and 623 ( duty of data furnishers ). 
Continued Reporting After Account Closure XXXX  XXXX is reporting charge-offs month after month ( CO ) even though the accounts are closed. 
Reporting CO monthly in XXXX and XXXX after closure is factually incorrect, deceptive, and directly violates FCRA 611.

This is a re-aging tactic intended to keep the account appearing newly delinquent, which is illegal.

Inconsistent and Conflicting Information One entry reports a balance of {$950.00} on a closed account with a credit limit of {$850.00}, which exceeds the limit on a closed account this makes no sense and is unverifiable. 
Another entry reports a past due amount of {$390.00} with no accompanying payment history or active status. 
Dates of last activity, balance updates, and charge-off notations are conflicting across entries for the same account. 
Reporting on Accounts with No Payment History Some of the XXXX XXXX  entries reflect charged off as bad debt yet show no payment history whatsoever, making the charge-off status unverifiable and unsupported a direct violation of FCRA 623 ( a ) ( 1 ) ( A ).

THESE ACTIONS VIOLATE : FCRA 602 Failure to ensure maximum possible accuracy.

FCRA 611 Failure to correct or delete inaccurate/unverifiable information.

FCRA 623 Duty of furnishers to report accurate data.

FCRA 605B Failure to block information resulting from identity fraud ( if applicable ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: VA

Complaint narrative:
XXXX Spoke with XXXX extension XXXX about student loan forbearance, and she updated my due date to the XXXX to allow time for me to get the application. XXXX Received the school misconduct application XXXX Submitted School Misconduct application via mail in a three-ring binder. I was supposed to receive a response within XXXX  days. Never received a response, and XXXX sold to Mohela. XXXX Spoke with XXXX who said Mohela should have an answer by early XXXX. XXXX Spoke with XXXX XXXX from Mohela Stated there is no school misconduct application on file ; however the system states it is still under review. I was directed to resubmit the application and follow up with CFPB XXXX. CFPB is the one through which all misconduct applications go to get reviewed. Spoke with XXXX @ CFPB, she told me to follow up with DOE and that they do not review the applications that Mohela misdirected me. No one can give me an answer, but Mohela wants me to pay them. Escalated call to supervisor, XXXX. XXXX told me to file complaint with CFPB. Visit : Consumerfinance.gov/complaint Include : Dates, amounts, documents, and they have XXXX  days to review. No guidance on my credit score being impacted. 

XXXXMy Credit score plummetted dropping a significant XXXX points. Taking me from an " excellent '' score to " fair ''. This debt should not have been reported as my loans should be in forbearance until XXXX renders a decision. These loans are fraudulent and they refuse to follow their own procedures. 

XXXX responds and deflects the issue to Mohela. 
" Dear XXXX XXXX Thank you for contacting XXXX about your student loan. Please be advised the servicing of your loan ( s ) has transferred to MOHELA. Because of this transfer, the issues you raised should be addressed by MOHELA directly, as they now manage the servicing of your loan ( s ). Given the importance of your inquiry, we want to ensure you have the correct contact information for MOHELA : Customer Service : XXXX Office of the Customer Advocate : XXXX XXXX Contacting MOHELA directly will ensure that your concerns are directed to and managed by the appropriate team ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I do not owe the debt with Midland for {$1200.00} ; I have never had a contract with this company. Additionally, 15 U.S. Code 1666 - Correction of billing errors. Midland has reported a past due payment on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of a CCS collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, CCS would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please promptly eliminate the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and do not know their origins. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are enclosed for your examination. Furthermore, each bureau reports varying account 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-02 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year>, - i open a spark buisness card ending in XXXX XXXX XXXX XXXX i call capital one asking until when i have to spend and how much i need to spend- they tell me that the XXXX is the last day and that the amount is XXXX something, i swipe on monday XXXX I call in a week later or so- wheres the bonus? Answer is : you spent with XXXX or so less, cause u had credits on ut account, i explain them- i wasnt the one making the calculations how much i need to spend, i wasnt told by u guys.. ull be contacted by rewards dept within 30 days, after a week they give me a case # XXXX with no further help, XX/XX/XXXX I speak to a supervisor and after a long wait she tells me I dont qualify cause it posted a day after, so i was told the amount and date until when i can spend, i do just that and they steal from me my XXXX bonus rewards cause they had a representative make a mistake. I need my hard earned money. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed inaccurate information that XXXX had furnish to the creditor bureaus, and there was no resolution into the investigation. The creditor and credit bureaus are illegally double reporting a collection on my credit report more than twice with different open dates for XX/XX/year> and XX/XX/year>. I reported the account as fraud and provided a police report, but the creditor and credit bureaus are still reporting inaccurate information with double reporting the collections accounts twice that is damaging my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: First Credit Services Inc.
State: FL

Complaint narrative:
To whom it may concern I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report, as I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the deletion of any unauthorized accounts. 

The following accounts were fraudulently opened in my name : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Account Number : Unknown Fraudulent Amount : {$120.00} XXXX XXXX XXXX ( XXXX XXXX XXXX Account Number : XXXX Fraudulent Amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Unknown Fraudulent Amount : {$700.00} XXXX ( XXXXXXXX XXXX XXXXXXXX ) Account Number XXXX Unknown Fraudulent Amount : {$1500.00} I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), along with a copy of my government-issued ID and any supporting documentation. 

Per 15 U.S. Code 1681c-2, credit bureaus must block fraudulent information within four business days of receiving an identity theft report. I also request that you provide me with an updated copy of my credit report reflecting these removals. 

Please confirm in writing that these fraudulent accounts have been removed. If you require additional information, please contact me at the phone number or email listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received emails from XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ) citing new accounts opened in my name. I closed the XXXX XXXX  account in person and notified them of fraud. I received debit cards in the mail from XXXX XXXX  and Capital One in XXXX of XXXX. I also received rejection letters from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ) stating that the applications to open new accounts were denied. I have purchased and identity theft protection plan from XXXX XXXX and have been given instruction to file this complaint and file a police report, which I plan to complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
just now i have login to my XXXX XXXX they have reported three accaounts under my name but i did not open any account at all can u please help me sir i have lost my passport 2 years back and they have given me new passport can please help me to sir to resolve this issue

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 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX reported to my credit report for over {$600.00}. I have disputed multiple times telling them it is an account open fraudulently and they keep saying I am responsible for this debt. It also says the account was opened XX/XX/year> and I have not received any documentation or bill asking for this to be paid. No one has contacted me back.

Company response to consumer: Closed with explanation