vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that you immediately investigate and remove this account.

Additionally, this account violates the FCRA based on the following : Violation of 15 U.S.C. 1681e ( b ) : The information being reported is outdated, inconsistent across bureaus, and not demonstrably accurate. XXXX shows account closed as of XXXX XXXX ; however, no recent activity and pay status shows current. According to 15 U.S.C. 1681c ( a ) ( 4 ), this entry is now more than 7 years old and must be removed.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One XXXX only provided a {$300.00} credit limit. If my credit score is based now MAINLY on credit given, how am I to build credit?

With {$300.00} limit, I get declined almost every other day or week. I can make payment each time but Capital One would NOT let me make full payment. In fact I could not make ANY payment, until I called Capital One on phone to assist on XX/XX/year>. 

My balance was {$270.00} on XXXX at XXXX EST and they would NOT let me pay it. They only let me pay {$39.00} and now at XXXX on XX/XX/year>, another payment has been declined! This is exhausting my time and energy with this cat and mouse behavior. 

This is obviously cruel and unusual punishment I'm experiencing with this. I can not rent a vehicle or pay for groceries more than once a month without hitting limit with today 's prices. It would seem I have been XXXX by Banking Club ? I applied for 3 other cards with companies specifically for Bad Credit and nothing. I'm spending thousands trying to repair but the ONLY way to build credit ( credit given ) is being blocked by banks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Personal Information NAME : XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX My only address is XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 

APPLE CARD/GS BANK XXXX DATE OPENED XX/XX/year> Balance {$2100.00} There have been no late payments on this account, and the current reports on this account remain unverified. Under the Fair Credit Reporting Act ( FCRA ), you are required to remove unverified or inaccurate information. Should you fail to correct this, I will pursue legal action based on your failure to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
I have been disputing loans taken out in my name for the year XXXX. I did not attend college in XXXX. Furthermore, I didn't receive any bills from MOHELA until early XXXX. I have filed for identity theft. I have spent hours talking to representatives from MOHELA, including hours of being on hold while waiting for a representative. I am still receiving letters of my repayment plan to begin in XXXX, even though I have not heard from MOHELA concerning the ruling on the XXXX loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 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: NJ

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 non-monetary relief
Consumer complaint received 2025-07-07 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: WestGen Lending, a DBA of Beckam Funding
State: MI

Complaint narrative:
In XXXX my mortgage was bought by Genway. I had already made my XXXX payment to my previous company. I have since had to call weekly as Genway states my mortgage is behind and they did not receive XXXX. I have provided bank statements and proper documentation indicating I am up to date. They have been reviewing an investigation since then, again with weekly check in calls. They have now reported to my credit score that I am delinquent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX my mortgage was bought by XXXX. I had already made my XXXX payment to my previous company. I have since had to call weekly as XXXX states my mortgage is behind and they did not receive XXXX. I have provided bank statements and proper documentation indicating I am up to date. They have been reviewing an investigation since then, again with weekly check in calls. They have now reported to my credit score that I am delinquent.

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 2025-07-07 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: NH

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 non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
After going over my credit report I came across many inaccuracies throughout the entire report. In the account listed below I discover numerous inaccuracies that are not true. Please take the time to investigate these inaccuracies. 

Account : XXXX Account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
After going over my credit report I came across many inaccuracies throughout the entire report. In the account listed below I discover numerous inaccuracies that are not true. Please take the time to investigate these inaccuracies. 

Account : XXXX Account 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 







Incorrect Address - XXXX XXXX XXXX XXXX XXXX, MO, 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I'm constantly receiving text from some trying to use Zelle to get into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
There is a collection entry on my credit report that is not mine and has never been validated. I have not received any documentation, statements, or proof that this debt was legitimately incurred by 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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: InDebted Corporation
State: GA

Complaint narrative:
I have notified InDebted twice about a recent XXXX  XXXX bankruptcy filing that was discharged on XX/XX/XXXX. Indebted has failed to act accordingly and notify the original creditor despite receiving all requested information and/or documentation of bankruptcy. 

I requested that the account number ending in XXXX be closed out due to the account being included and discharged in the bankruptcy. I am including the information for the bankruptcy filing. 

Bankruptcy Type : XXXX XXXX Filing date : XX/XX/XXXXXXXX  Bankruptcy Case Number : XXXX Attorney : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found that a charged-off account from XXXX XXXX XXXX ( XXXX XXXX XXXX ), which was closed in XXXX with a {$500.00} balance, is still being updated and reported as recently as XX/XX/XXXX. 

I have not authorized any transactions or payments since the account was closed, and I believe this ongoing reporting is inaccurate and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

I mailed a written validation and securitization request to the creditor to confirm ownership and accuracy of this debt, but I have not received sufficient documentation. The bank also attempted to contact me by phone, but I requested written communication only. 

The continued updates to this charged-off account are hurting my credit and appear misleading, especially since I believe the account may have been sold or securitized. I am requesting a full investigation and correction.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a notice from the Internal Revenue Service ( IRS ), which states that I did not include income related to a debt forgiveness from Bank of America in my XXXX Income Tax filing. According to the IRS, I owe {$7100.00} due to a debt they forgave in the amount of {$25000.00}. 
The debt in question dates back to XXXX, and at that time, Bank of America was provided with documentation confirming that the debt was owed by XXXX XXXX, XXXX of XXXX XXXX XXXX, where I was a former employee. 
To provide some detail, I was employed with XXXX XXXX XXXX XXXX ( " XXXX '' ) from XXXX until XX/XX/XXXX. During that time, XXXX held multiple credit card accounts with Bank of America, among other financial institutions. However, in XX/XX/XXXX, I was terminated by XXXX XXXX, the President and majority shareholder of XXXX. After my departure, I had no involvement with, access to, or authorization to use any of XXXX Bank of America credit card accounts. As of today, I have not received any records showing how BOA listed my name as the guarantor on these credit cards. 
In fact, XXXX XXXX was the exclusive user of the credit cards and utilized these accounts to cover over {$25000.00} in legal fees associated with XXXX  litigation, after I was terminated. I did not become aware of this until XX/XX/XXXX, when Bank of America notified me that I was responsible for these charges. I promptly explained the situation and followed up with a fax email to XXXX XXXX at XXXX ( Claim # XXXX ). 
Additionally, I took further steps to address this issue by submitting a Fair Debt Collection Practices Act cease and desist letter on XX/XX/XXXX, and filing a police report on XX/XX/XXXX. I have now opened 2 fraud cases with BOA. I made multiple requests to BOA for copies of any signature of mine that was used as a guarantor on the credit cards in question, but these copies have never been provided. It is my belief this was done intentionally by XXXX XXXX in an attempt to release himself of liability for charges he knowingly incurred and was responsible for. Since XXXX, I have not heard from Bank of America, including any further debt collection attempts. until the notice from the IRS this year. 
In light of the above, I requested that Bank of America submit a corrected 1099-C with the IRS, removing my Social Security number and reflecting the correct party responsible for the debt, and benefiting from the debt forgiveness.

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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I was disheartened to see an unauthorized hard inquiry on my credit report, as I take great care to protect my credit profile. I did not consent to this inquiry, nor did I initiate any application that would warrant it. This inquiry is adversely affecting my credit score and does not accurately reflect my activity.

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 2025-07-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CT

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-07 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief