vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Self Financial Inc.
State: SD

Complaint narrative:
I opened a Self Inc. Credit builder account and XXXX XXXX XXXX XXXXXXXX of XXXX with a payoff of XX/XX/XXXX. I paid in {$710.00} during this period. I received an email stating that Self Inc. had to switch banking partners and that my account would be closed and that I would have to apply for a new account and that my proceeds would be refunded via check. I received an email stating that I would receive a check for {$86.00} and {$10.00} as a thank you. Leaving {$620.00} missing. I have contacted them six times in the past three weeks to inquire about the funds only to be told yet another lie about where the money is and when I'm getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The company opened a XXXX XXXX account with a {$3000.00} credit line in my name without my consent or knowledge. They only informed me after it was already opened

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 2025-05-14 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:
information on the report. Is inaccurate and causing me and my family to not obtain housing

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 2025-05-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: RI

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXXXXXX. XXXX request a thorough into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.

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 2025-05-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have no knowledge to open this account.This is a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding MOHELAs handling of my XXXX XXXX  account. Recent reports of mismanagement align with the issues I have personally experienced, raising serious concerns about the integrity of MOHELAs servicing practices. 

Details of the Issue : Incorrect Loan Balance or Forgiveness Eligibility : My loan balance does not accurately reflect payments made or adjustments under federal forgiveness programs. Due to servicing errors, I am unable to confirm my eligibility for loan relief, creating financial uncertainty. 

Failure to Process Forms on Time : I submitted required paperwork for an income-driven repayment plan and for the loan forgiveness program within the appropriate timeframe, yet MOHELA delayed processing beyond the stated deadline. This failure has negatively affected my repayment schedule and financial planning.

Misleading Information from Representatives : When contacting MOHELA customer service, I received conflicting and inaccurate information regarding my repayment options and eligibility for loan forgiveness. These discrepancies have made it difficult to make informed financial decisions and have hindered my ability to effectively manage my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit Union originated an auto loan in my name on or around XX/XX/XXXX. I never received the vehicle associated with this loan and did not authorize or knowingly sign any loan agreement. A printed document was shown to me by a Navy Federal branch employee, but they could not provide the original signed promissory note. 

XXXX XXXX was marked declined on the paperwork without my knowledge or consent. I was later told I could not file a XXXX  claimeven though Navy Federal applied XXXX coverage laterbecause the vehicle was never received. 

To date, Navy Federal has withdrawn approximately {$5000.00} from my account for a loan I never consented to, and they refuse to stop the payments or acknowledge the fraud dispute. On XX/XX/XXXX, I submitted a formal Declaration of Forgery and an affidavit through their member portal. Since then, Ive been transferred between multiple departmentsincluding Consumer Loans and Collectionsfor over 3 hours, and no one will provide written confirmation or a case ID.

I am requesting : Immediate cancellation of this loan Refund of all withdrawn funds Suspension of collections Full regulatory investigation of Navy Federals fraud handling and billing practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of XXXX XXXX and recently contacted Early Warning Services to request the blocking of items on my consumer report that resulted from my trafficking experience. However, they sent me an updated report that still shows XXXX XXXX  and inquiries that remain on my report. I was informed that I need to apply again to have these items blocked. 

Here are the details for your reference : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that account number XXXX with creditor XXXX XXXX XXXX is reporting errors. Im requesting a careful verification of this account. If it can not be properly verified, I ask that it be completely removed from the credit report as a resolution. This incorrect information is negatively affecting 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 non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that account number XXXX with creditor XXXX XXXX XXXX is reporting errors. Im requesting a careful verification of this account. If it can not be properly verified, I ask that it be completely removed from the credit report as a resolution. This incorrect information is negatively affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
Under 15 USC 1681b a consumer reporting agemcy may only furnish a consumer report if there is permissible purpose, and in several instances, ONLY with my explicit authorization. Any Reporting or distribution of my credit information without such a legally permitted purpose and not to exclude the fact of it being without my consent is a violation of federal 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 explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
Under 15 USC 1681b a consumer reporting agemcy may only furnish a consumer report if there is permissible purpose, and in several instances, ONLY with my explicit authorization. Any Reporting or distribution of my credit information without such a legally permitted purpose and not to exclude the fact of it being without my consent is a violation of federal 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently reports within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.168.i, which mandates a reasonable investigation of dispute. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administration proceeding ( File No. XXXX  ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against Discover Card Improper Negative Reporting to Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against Discover Card, concerning their failure to provide timely and necessary communication regarding my account, which has led to a damaging and unjustified negative report to the credit bureaus. 

Account Information Issuer : Discover Card Account Ending in : XXXX Summary of the Issue : I have long maintained automated payments from my checking account to ensure consistent and timely payments to my Discover Card. These automatic payments are scheduled bi-weekly, and are part of my personal strategy to stay ahead of due dates and avoid delinquencies. 

However, I was recently notified by the credit bureausnot Discoverthat my account had been reported as over 30 days late. This was a complete shock, as I never received any email, phone call, alert, or in-app message from Discover informing me that additional or supplemental payments were needed. 

It is extremely concerning that Discover failed to notify me in any meaningful way while having the capability to send frequent promotional emails and marketing materials. Yet, when it came to a critical payment alert, no such notice was sent. 

As a result, a negative mark now appears on my credit reports, despite the fact that I had automated payments in place and would have immediately acted if I had been properly informed. This lack of proper notification amounts to a breach of fair consumer practices and has unjustly harmed my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
Late Payment Improperly Reported. I, XXXX XXXX XXXX XXXX, have a RIGHT TO PRIVACY under 15 U.S.C. 1681a ( 4 ) as a federally protected consumer, and I fully understand my rights under the Fair Credit Reporting Act ( FCRA ), clearly outlined in 15 U.S.C. 1681. The FCRA states that the banking system depends on fair and accurate credit reporting, and that inaccurate reports directly impair the system 's efficiency, while unfair reporting methods undermine public confidence. Any violation of the FCRA damages the financial system and violates my rights. 

This is a violation of my privacy with my consumer report, as I have the right to control what is listed and how it is reported. If any account is reported without my written consent, it violates both 15 U.S.C. 1681b ( 2 ) and 1681c-2, which govern permissible purpose and proper authorization. These violations lead to civil liability under 15 U.S.C. 1681n and 1681o, which allow for {$1000.00} per violation for willful and negligent noncompliance. 

While reviewing my credit reports, I noticed that Experian is reporting a 30-day late payment on a XXXX account XXXX XXXX ), while the other two credit bureaus report this account accurately and show no late payments. This clear inconsistency is a direct violation of 15 U.S.C. 1681e ( b ), which requires all credit reporting agencies to ensure maximum possible accuracy. Reporting different data than the other bureaus shows Experian is failing its legal duty to verify and maintain accurate records. 

Additionally, under 15 U.S.C. 1681i ( 5 ) ( A ), Experian is required to delete or correct any item found to be inaccurate or unverifiable after a consumer dispute. I have already begun this process, and this is my first formal notice regarding this reporting error. I am requesting that the late payment be corrected and updated to reflect Paid as Agreed. 

Furthermore, this reporting violates 15 U.S.C. 1681b, which regulates permissible purposes. Experian had no authorization to report this late mark in such a misleading and inaccurate manner. My rights have been violated, and this error is seriously affecting my ability to access housing and credit for my family and business.

If Experian fails to correct this error, I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with federal 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Complaint Title : Citibank Holding My Legitimate XXXX XXXX  Payout Request for Immediate Release of Funds What happened : On XX/XX/year>, my XXXX XXXX  merchant account processed a legitimate payout of {$75000.00}, and on XX/XX/year> - {$23000.00} to a Citibank account under my sisters sons name. My personal bank accounts were compromised at the time, so I used a trusted family members account for security reasons. This was a one-time precaution to protect my earnings. 

The payout was sent and received by the Citibank account, but the bank held the funds and told us we would review it and they take 15 days more, and in between they told us they would close the account ) and send you a Cheque ( I have recordings ) but on the XXXX of XXXX, they removed the funds and placed them into a subledger due to a mismatch between the business name ( under my name ) and the receiving account holders name. I understand the reason for the flag, but this transaction was fully authorized and originated directly from my verified XXXX XXXX  merchant portal and I provided them the documents that they need. 

I have requested XXXX XXXX  to confirm the payout, but they are also not listening to me they keep saying We transfer the fund there is no problem on our side. However, Citibank is still holding the funds and has not offered any resolution or timeline for release. 

This is not a fraud case or unauthorized transaction. I am the rightful owner of the funds, and I need Citibank to release them immediately.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The credit card is a closed account on my credit, Ive disputed this. I have paperwork supporting my dispute I faxed it over to the company I also submitted a supporting letter dated XXXX XXXX and faxed everything XXXX XXXX. ( Theres more documents I can upload but its not allowing me to. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
XXXXXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on 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