vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
In XXXX I began attempting to switch from the Save plan to another payment plan since the save plan has now been put on hold pretty much indefinitely. I have spoken to multiple people across multiple weeks since then to try and get switched into another payment plan. Each person I have spoken to at both Mohela and federal student need have provided me with differing information that has made it impossible to resolve my current situation, and has resulted in the continued accrual of Interest. I have been given different amounts in terms of what the totals of my loan are, different amounts in terms of what the interest rates are on my loans, different suggestions on payment plans that provide lowest payment options versus highest payment options, it was insisted upon to me by multiple employees that I needed to consolidate my already consolidated loans before I could move forward if I wanted to have any sort of repayment plan that was below $ XXXX in spite of the fact that I was very much so aware that I've already Consolidated my loans years ago and the fact that I was on and ibr plan before the save plan, I did as I was told to you and filled out an application to consolidate my already consolidated loans. That application was then denied because my loans are already consolidated. The person that I spoke to you at the agency that handles consolidation also gave me in correct information telling me that I only needed to pay 10 % of my discretionary income which is false at least as far as what I can tell from the actual Mohela / student aid website which says that I have to pay 15 % of my discretionary income. So now I've been told to apply for yet another plan, and all the while I've continued to have to accrue interest every month since the summer because I can not pay at the rate at which they are insisting I need to pay ranging somewhere between from around {$500.00} to {$700.00} a month. I can not tell if it is simply ineptitude on the part of the employees or if this is an intentional delay of transition to an alternate payment plan so that I will accrue even more interest thus ensuring that I owe even more money on these already ridiculously high interest rated loans ; and do that I don't continue to move forward with PSLF. I know that sounds like conspiracy nonsense, but honestly it's been like dealing with a shady health insurance company and feels very intentional.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, declare with utmost seriousness that the details contained within this statement, as well as those outlined in the accompanying affidavit, represent the truth to the best of my understanding and knowledge. I have found myself to be an official victim of identity theft, and I unequivocally state that I have neither given permission for nor opened nor benefited in any manner from the fraudulent accounts that are presently registered under my name. These deceitful accounts have been created without my knowledge or consent, further complicating my financial and personal credit record. 
In accordance with federal legislation, such as the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), which mandates the protection of consumer credit information, and the Identity Theft and Assumption Deterrence Act, I am compelled to request the removal and expunging of these unauthorized accounts from my credit reports. These laws are designed to provide protection and recourse for victims such as myself. 

This unauthorized distribution of my information has directly contributed to the creation of these fraudulent accounts, which are detailed as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I had a credit card account with XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  that was later placed with the collection agency XXXX XXXX, XXXX. On XX/XX/year> I completed a settlement with XXXX and paid the total settlement amount of {$590.00}. The attached Settlement Paid Confirmation letter dated XX/XX/year> clearly states that I paid the agreed settlement amount and that the creditor agreed to accept less than the full balance and would be notified so they could update their records. 

Even though this account has been settled and there is no remaining balance owed, TransUnion is still reporting the XXXX  account as a derogatory account with a balance of {$300.00}, past due {$300.00}, payment status Collection/Chargeoff, and comments Charged off as bad debt/ Canceled by credit grantor. This is inaccurate, incomplete, and misleading because it does not reflect that the account was settled and paid and that the balance and past-due amount are now {$0.00}. 

I disputed this with TransUnion and requested that they correct the tradeline to show a {$0.00} balance and {$0.00} past due with an accurate settled/paid status, using the settlement confirmation letter as proof. TransUnion kept the same reporting and simply marked the account as verified without correcting the false information or providing any documentation that I still owe money. I am not disputing that the account existed ; I am disputing the way TransUnion continues to report it after it was settled and paid. Their refusal to correct this tradeline is harming my credit profile and violates their duty to report only accurate 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 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I reviewed my credit report and reviewed letters from Midland Credit Management stating a debt was due to them. I never made an agreement with them and they are not registered in my state of Georgia as a legal collection agency. They have threatened to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
My debit card was lost on XXXX. It was used at two different merchants, 3 times as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realized at that time, froze my card. I got a text from chime @ XXXX on XXXX that my frozen card was attempted use at XXXX XXXX  for {$120.00} and again @ XXXX for {$16.00}. Those transactions did not go through. 

I filed a police report and opened an investigation that night on the fraudulent use of my card. 

I disputed all transactions with Chime after they cleared. 

I obtained a copy of my police report and uploaded it as evidence on Wednesday XX/XX/XXXX. 

All of my disputes were declined by chime. 

On XX/XX/XXXX I reopened investigation and once again submitted copies of the police report and record of arrest. A person was arrested and charged for using my debit card unlawfully. The reopened disputes were declined again within 24 hours.

I received an email from chime stating the evidence they used to deny my dispute and none of it included my uploaded evidence, nor does it comply with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX -acct number XXXX Raymour and Flannigan Request to remove negative reporting on all three credit bureaus, negative scores. 

I am submitting this complaint regarding XXXX XXXX handling of my Raymour & Flanigan retail credit card account. 

In XX/XX/year>, I was out of work due to a fracture and also impacted during the federal government shutdown ; my income was interrupted. 
Before my payment due date, I contacted XXXX XXXX to explain my hardship and request an extension or accommodation. I have never been late with any payments until negatively affected by this shutdown. 
Despite my proactive communication and request for a forebearance, XXXX Bank XXXX my account as late to the credit bureaus. 
This late payment has caused a XXXX drop in my XXXX XXXX, despite my XXXX XXXX XXXX payment history across all bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
it a account on my credit report that never open I send the a debt validation letter to the company, the company have never responded it has been over 30 days according to the fdcpa I have the right to ask for verify and if the company can't provide the necessary proof it must be removed from my credit report, I also include a identity theft 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 2025-11-23 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: PA

Complaint narrative:
it a account on my credit report that never open I send the a debt validation letter to the company, the company have never responded it has been over 30 days according to the fdcpa I have the right to ask for verify and if the company can't provide the necessary proof it must be removed from my credit report, I also include a identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Waming Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts or authorized any doings. I'm a victim of identity theft and I don't recognize these aocounts on my report. Im requesting the following information be deleted from my Eary Warnings Consumer report immediately! I've attached a copy of the report so this request. 

Please Contact me at XXXX or XXXX Thank You for taking the time to Review My Complaint Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I personally called and paid off account & was told that it would be deleted from my credit report by capital one. It still has not been completely removed along with the late payments that are creating issues with my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NM

Complaint narrative:
Dispute of Inaccurate Information on Account I am disputing inaccurate information on my account, which I believe is the result of identity theft stemming from a data breach that exposed my personal information. Pursuant to 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and Section 605B ( 15 U.S.C 1681c-2 ), I request that this inaccurate information be investigated and blocked. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I owed approximately {$900.00} on my credit card with Bank of America. Before closing my accounts, Bank of America took {$1000.00} of my funds through setoff. This payment was never credited to the account balance. 

Despite taking funds exceeding the balance owed, Bank of America is still reporting a balance of {$1100.00} to XXXX. This is factually impossible, misleading, and constitutes double recovery. 

Under FCRA 623 ( a ) ( 2 ), Bank of America has a legal duty to correct and update information accurately. Reporting any balance above {$0.00} after a setoff violates this duty. 

Because the reported balance is inaccurate and unverifiable, I am requesting full deletion of this tradeline. The reporting is materially misleading and causing continued harm to my credit. 
I am NOT asking for correction. I am demanding deletion because the data is FALSE.

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 monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a XXXX retail account with XXXX XXXX XXXX  that was later sold/placed with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for collection. On XX/XX/year> I made the final payment of {$520.00}, and on XX/XX/year> I received a written Release of Claim Notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That letter clearly states that my final payment has posted, that it has satisfied the outstanding obligation, and that they have updated all applicable records to indicate the discharge of all liabilities pertaining to my account. 

Despite this, Experian is still reporting the XXXX XXXX XXXX XXXX XXXX  tradeline as Collection/Chargeoff with comments such as Purchased by another lender and Unpaid balance reported as a loss by the credit grantor, which falsely suggests there is still an unpaid charged-off balance. This is inaccurate, incomplete, and misleading, because the creditors own letter confirms the account has been paid and all liabilities have been discharged. I previously disputed this with Experian and requested that they update the tradeline to reflect a {$0.00} balance, {$0.00} past due, and a paid/settled status using the Release of Claim as proof, but Experian left the account as a charge-off and simply marked it as in dispute instead of correcting the reporting. This failure to update the account to its true paid status is harming my credit profile and violates Experians obligation to report only accurate and current 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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was notified on XX/XX/XXXX via email that my credit was pulled for a Wells Fargo card but I did not apply for any thing through Wells Fargo. The next day I gave them a call and spoke to 2 representatives and they confirmed that they do not have any pending applications for me in their system. 

Today XX/XX/XXXX, I received a credit card mailed to me from Wells Fargo XXXX XXXX for XXXX XXXX XXXX XXXX for a credit of {$1000.00}. 

I will be calling Wells Fargo on Monday XX/XX/XXXX to have this card canceled.

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Dear Credit Acceptance Corporation, I am writing to formally file a complaint regarding actions taken by Credit Acceptance in relation to my vehicle account. On [ insert date ], my vehicle was disabled without any prior notification from your company. This action occurred on a weekend, preventing me from accessing support or resolving the issue in a timely manner. 

According to the terms of my agreement, I am entitled to notice of any actions that would restrict my access to the vehicle. Disabling my vehicle without prior communication constitutes a violation of my rights as a customer and has caused significant inconvenience and distress. I was unable to use my vehicle for essential purposes and had no means of addressing the issue during the weekend.

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 2025-11-23 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, XXXX XXXX, declare with utmost seriousness that the details contained within this statement, as well as those outlined in the accompanying affidavit, represent the truth to the best of my understanding and knowledge. I have found myself to be an official victim of identity theft, and I unequivocally state that I have neither given permission for, nor opened, nor benefited in any manner from the fraudulent accounts that are presently registered under my name. These deceitful accounts have been created without my knowledge or consent, further complicating my financial and personal credit record. 

In accordance with federal legislation, such as the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ), which mandates the protection of consumer credit information, and the Identity Theft and Assumption Deterrence Act, I am compelled to request the removal and expunging of these unauthorized accounts from my credit reports. These laws are designed to provide protection and recourse for victims such as myself. This unauthorized distribution of my information has directly contributed to the creation of these fraudulent accounts, which are detailed as follows : a ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation