vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint because continuous changes to my federal loan servicers, mishandling of my payments, and repeated issues with my Income-Based Repayment ( IBR ) plan have resulted in inaccurate information about my loans and repayment history. 

I first began repaying my federal student loans around XXXX. Since then, my loans have been transferred between multiple servicers, including XXXX XXXX XXXX XXXX XXXX and Mohela. With each transfer, there have been inconsistencies in my loan balances, payment histories, and IBR status. 

Here is what has occurred : Around XX/XX/XXXX I enrolled in an Income-Based Repayment ( IBR ) plan with [ Servicer A ]. My monthly payment was approximately {$120.00}, and I consistently made those payments on time. 

When my loans were transferred to Mohela around late XXXX my IBR status did not transfer correctly. My total balance payment amount suddenly changed. I have recertified my income for IBR as required. I experienced periods where my account was incorrectly placed into forbearance or showed standard repayment amounts, even though I had submitted recertification on time. 

In several instances, my monthly payments were applied incorrectly. After the most recent transfer to Mohela my total balance increased unexpectedly, and interest capitalization appears to have occurred without a clear explanation. The current servicers records do not match what I recall from previous statements regarding my principal balance and total paid-to-date. 

I have also received inconsistent information from customer service representatives about my qualifying payment count under income-driven repayment and my progress toward potential forgiveness. Different agents have given me different totals for qualifying payments, and no one has provided a clear, written breakdown. 

I have acted in good faith throughout this period by : Making regular payments as required Enrolling and remaining in IBR Recertifying my income on time Responding promptly to all servicer requests for information Despite this, the continuous servicer changes and administrative errors have created inaccurate records of my repayment history, payment amounts, and balances. 

What I am requesting I am requesting : A complete account audit covering the entire life of my loans, across all servicers. 

A corrected and detailed payment history showing every payment I have made, how it was applied, and an accurate count of qualifying payments under income-driven repayment. 

A review and correction of any improper interest capitalization or unexplained balance increases. 

Written confirmation of my adjusted payment count and my correct status toward any applicable forgiveness programs. 

I want the companies involved to correct any errors in my account history and ensure that my payments, IBR enrollment, and progress toward forgiveness are accurately reflected.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : None Inquiries : XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> Late Payments : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-14 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information. 
Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is VENMO related. They are holding funds paid to me from a debit card via a third party for 21 days. 
not releasing the funds that I was paid via someone who previously sent payment via personal account then wasnt allowed to do. I opted to use business side of account linked to personal one. ID is verified. 
No contact re further verification. Amount {$3300.00} {$3200.00} after VENMO fee and it is causing a real issue financially. Ive had my account for 5 years and consistently use it to transfer money to family and friends plus make payments. 
Account/Order/Tracking number : Venmo account XXXX Desired settlement : {$3200.00} released to me from VENMO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Dear Sir/Madam, I am writing to dispute the following information that is inaccurate on my Experian credit report. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} I dispute this account as it has been incorrectly reported. Please verify the accuracy of this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account should be marked as paid or settled. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unauthorized. Please remove them from my credit report. 

Late Payments : 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 2025-11-14 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DISCOVER BANK
State: NY

Complaint narrative:
A discovery credit card was issued under my name without my consent. Is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Im filing this complaint against Affirm regarding a newly reported tradeline and hard inquiry that appeared on my credit report without clear notice or informed consent. 

In XX/XX/year>, I used Affirm for a one-time purchase, assuming ( based on the process and Affirms past practices ) that the loan would not be reported to the credit bureaus. The transaction in question was for {$180.00} and was completed on XX/XX/year>. I was not asked for my Social Security Number, nor was there any clear disclosure during the checkout, payment, or loan agreement process indicating that a new tradeline would be reported or that a hard inquiry would be performed. 

I only became aware of the reporting after receiving an alert that a new account had been added to my credit report. Upon researching, I discovered that Affirm recently updated its policy and began reporting longer-term loans. However, this change was not made clear at the time of transaction. 

I have nearly {$100000.00} in available credit across multiple revolving accounts and had no need to initiate a new tradeline especially one that would affect my average age of accounts and credit inquiries. Had I known the loan would be reported, I would not have proceeded with it. 

This reporting has significant consequences for me, as I am currently preparing to apply for a mortgage in the coming months. A new account and hard inquiry at this time materially affect my credit score and creditworthiness. I would not have initiated the loan had I been properly informed of the reporting impact. 

I contacted Affirm to request a goodwill removal of the account based on the misleading nature of the process. The representative stated that Affirm does not have a way to remove reported accounts and refused to escalate my request or provide access to a department capable of reviewing the situation. 

I believe this lack of transparency may violate the Fair Credit Reporting Act ( FCRA ), which requires clear and conspicuous notice and authorization before furnishing data to credit bureaus or performing a hard inquiry. I am requesting the immediate removal of the tradeline and inquiry from my credit reports and further review of Affirms consent and disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XX/XX/year> TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX, MN. XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : TD BANK USA/TARGET CREDIT, ACCOUNT NUMBER : XXXX, BALANCE : {$620.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : TD BANK USA/TARGET CREDIT , ACCOUNT NUMBER : XXXX, BALANCE : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off my credit card using funds from my mothers bank account. To avoid multiple transfers, she made the payment directly from her account at another bank. 
Shortly after, my card was blocked. Capital One instructed me to contact my mother and complete a three-way call so she could confirm that she authorized the payment. During that call, she was also asked to contact her own bank, verify her account, and then allow the Capital One agent to speak with her bank. This process required my mother to disclose personal information used to access her account. 
After approximately XXXX minutes, I was told the issue was resolved and that my account would return to normal. 

XXXX days later, my card was blocked again. Capital One is now requesting a bank statement from my mothers account, even though the payment was already processed and withdrawn, and even though I was able to pay the remaining balance. Despite this, my card is still unusable. 

Throughout the week, I received multiple calls asking me to repeat the same process : contact my mother, place her on the line, and have her call her bank again. I have been unable to complete this because I am at work when they call, and every time I attempt to return the call, I am told I must wait for them to reach out to me. 

I am concerned that this process may violate consumer protection rules, including the Electronic Funds Transfer Act ( Regulation E ) and the Fair Credit Billing Act, and may also raise privacy issues related to requesting and handling personal banking information from a third party who is not a Capital One customer. 

I respectfully request a formal review of this situation, clarification on why these procedures were required, and assurance that my card access will be restored without further unnecessary requests involving third-party personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I am filing this complaint against Vance & Huffman for reporting a collection account that does not belong to me and is completely inaccurate. 
I have requested validation of this alleged debt multiple times, and no proof has been provided. Furthermore, XXXX  has already deleted this account from my credit report because it was deemed inaccurate, incomplete, and unverifiable. Despite this, Vance & Huffman continues to report this account, which is causing me financial harm and negatively impacting my creditworthiness. 
This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically : 623 ( a ) ( 1 ) ( A ) Furnishers must not provide information that they know or have reasonable cause to believe is inaccurate. 623 ( b ) Upon notice of a dispute, furnishers must investigate and correct inaccurate information.The account in question does not identify the original creditor, lacks proper documentation, and fails to meet the standards of accuracy required by law. 
I am requesting that the CFPB investigate this matter and require Vance & Huffman to : Immediately delete this account from all credit reporting agencies. 
Provide written confirmation that the account has been removed. 
Failure to comply should result in enforcement action, as this is a clear violation of consumer protection laws. 
Amount in Dispute : Over {$2200.00} IT HAS CREATED SEVERE AND Significant financial harm, denial of credit opportunities. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
There has been some unwanted reporting on my consumer report that seriously violated my right as a consumer, I am calling the attention of the involved parties to look into this and remove the accounts involved according to 15 U.S Code 1681b Permissible purpose of Consumer reports any consumer agency may only furnish a consumer report in accordance with the written instructions of the consumer to who it relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
There has been some unwanted reporting on my consumer report that seriously violated my right as a consumer, I am calling the attention of the involved parties to look into this and remove the accounts involved according to 15 U.S Code 1681b Permissible purpose of Consumer reports any consumer agency may only furnish a consumer report in accordance with the written instructions of the consumer to who it relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief