vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have called Capital One XXXX different times now asking for help with my credit card account. The interest rate is ridiculously high and has made this debt unmanageable. Ive made every payment on time, but for a while my balance kept going up, not down. Over the past year, Ive paid over XXXX dollars each month only to see that most of it goes toward interest. Ive even taken on a XXXX  job cleaning to try to keep up by raising the amount I pay, but this is not sustainable. The balance now has only gone down by XXXX dollars over a course of XXXX  months! I have well over XXXX on this card! No thanks to Capital One 's interest. 

Each time I called, I was told there was no hardship or internal repayment program available. However, after researching online, I discovered that Capital One does have a hardship program and found a different number to call and exactly what " words '' to use to get there. On XX/XX/year> at XXXX a.m., I spoke with a representative named XXXX, who said she was in the XXXX Department. I explained my situation, and she asked if I was still able to make payments. I said barely and for now. She replied, Call us back when you cant. I explained that I am trying to keep from falling behind that is why I am calling. She repeated herself. 

This is extremely disheartening. XXXX trying to be proactive before I fall behind, not after. I should not have to ruin my credit to receive help. At this point, XXXX paying around {$170.00} a month, but only about {$40.00} goes toward the principal while the rest is interest. In the past year, my balance has increased by nearly {$1000.00} due to interest alone. I am asking Capital One to review my account for a hardship or reduced-interest repayment plan so that I can pay down the debt responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
I am a federal employee pursuing PSLF and currently at XXXX qualifying payments. My loans are serviced by MOHELA. I need immediate resolution to the issues below so I can complete PSLF or have the missing month credited. 

Summary of issues Repeated, unresolved requests to switch from SAVE to another IDR plan : Submitted in XX/XX/XXXX and again in XX/XX/XXXX, but no completed enrollment. 

Payment not credited : MOHELA generated a payment amount ; I paid it on XX/XX/XXXX, but it did not count toward PSLF. 

Conflicting billing notices and no active schedule : Received letters showing first due date XX/XX/XXXX and then XX/XX/XXXX ; now my account shows no scheduled payments at all. 

PSLF buyback pending without escalation : Submitted buyback in XX/XX/XXXX; told it has not been escalated. I also filed a PSLF Reconsideration for my XX/XX/XXXX payment to count ( payment amount matches MOHELAs IDR figures ). 

Extensive outreach without resolution : I have called MOHELA weekly since XX/XX/XXXX. 

PSLF eligibility : I have worked for the federal government since XX/XX/XXXX and, absent these servicing failures and SAVE-related administrative pauses, my loans should have been forgiven around XX/XX/XXXX after reaching 120 months. 

Context on current processing environment ( for case handling ) During XXXX, borrowers switching off SAVE to IBR/PAYE/ICR faced processing backlogs and administrative forbearances ; MOHELA has advised some borrowers to reapply via XXXXXXXX using IRS data access for faster processing. Regardless, PSLF-qualifying billing should not be left in limbo at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AZ

Complaint narrative:
delete fraud - POLICE REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FULL POLICE REPORT attached, FTC ( gov shutdown ), social security and ID attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: GA

Complaint narrative:
I filed a claim with XXXX XXXX XXXX  XXXX  on XX/XX/year>, because I was unable to activate my card. I was informed that the card had a {$0.00} balance. I explained that I had never used the card since I was unable to activate it. 

On XX/XX/year>, I received three letters from XXXX XXXX XXXX XXXX. The first letter stated that a final determination had been made regarding my claim ( Dispute # XXXX ), concluding that an error had occurred. As a result, a credit in the amount of {$310.00} was posted to my account on XX/XX/year>, and any applicable fees were reversed. 

The second letter stated that a final determination had been made regarding my claim ( Dispute # XXXX ), also concluding that an error had occurred. Consequently, a credit in the amount of {$180.00} was posted to my account on XX/XX/year>, and any applicable fees were reversed. 

On XX/XX/year>, I attempted to contact the company for assistance. After spending 45 minutes on the phone with six different customer service representatives, attempts to activate my card both by phone and through the website were unsuccessful. Each attempt resulted in an error message indicating that the card could not be located.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CO

Complaint narrative:
On XXXX XXXX XXXX Upgrade Bank abruptly suspended both my checking ( XXXX ) and savings ( XXXX ) accounts without prior notice or specific explanation, citing only suspicious activity. Since then, I have had no access to my deposited funds and have received no timeline for resolution. 

This ongoing restriction has caused significant financial harm. A credit card payment of {$7700.00}, due XXXX XXXX XXXX, was submitted from the restricted account and was declinedresulting in hundreds of dollars in late fees and interest. Despite multiple written requests, Upgrade has failed to : Explain the reason for the restriction ( compliance review vs. law-enforcement hold ) Provide the legal authority for freezing my funds Assign a named contact or resolution date On XXXX XXXX, I requested either full restoration of access or a partial release to cover urgent obligations via ACH or wire transfer. I asked for confirmation by XXXX XXXX XXXX  that day but received no response.

Upgrades indefinite hold on consumer depositswithout transparency, explanation, or a lawful process for reinstatementis unacceptable and potentially violates consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-10-28 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 am not associated with these accounts ; please remove them within 15 days pursuant to USC 1681g.

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I requested a wire for about {$170000.00} to close escrow on a house on Sunday. The wire should have been completed by end of day Monday. It is now Tuesday, I have called Ally XXXX times - no one is able to let me know when the wire will process and escrow is due to close in a few hours. I have also not been permitted to be transferred to the wire department or obtain any names of people in the wire department.

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 2025-10-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: OK

Complaint narrative:
I have filed a Formal Regulatory Complaint with the XXXX  Department of Consumer Credit regarding the void status of account # XXXX. This is based on undeniable MLA violations and the fact that you are attempting to enforce an illegal, void debt. 

The XXXX  Department XXXXf Consumer Credit has accepted the complaint and has initiated an administrative process under a time-sensitive schedule due to my imminent mortgage closing. 

Be advised of the following facts, which prove your company 's calculated intent to obstruct compliance and sabotage my financing : XXXX XXXX XXXX XXXX XXXX to Sabotage : This morning, you maliciously rereported/verified this void debt as accurate and reapplied the dispute flags on TransUnion and Equifax. This action was taken despite the fact you know I am in the process of closing on a mortgage ( as previously stated on calls ). This confirms you are actively leveraging a void debt to prevent my financing and force illegal payment. 

Unacceptable Obstruction Tactic : Your continued action of marking my CFPB complaints as " duplicates '' is unacceptable, illegal, and is being formally reported to the XXXX  Department of Consumer Credit as deliberate regulatory evasion and bad-faith conduct. 

Admitted Violation : The XXXX  Department of Consumer Credit has been provided with your own internal documents ( dated XX/XX/year> and XX/XX/year> ) which serve as direct evidence and admission that repayment was made via the prohibited Military Allotment, rendering this entire loan VOID FROM INCEPTION. 

The time for delay and evasion is over. I expect your Legal/Compliance department to respond directly to the XXXX  Department of Consumer Credit immediately with a formal commitment to DELETE THIS VOID ACCOUNT from all credit reports. 

Your continued non-compliance will be met with the immediate escalation of this void account 's history and your bad-faith conduct to my Senators, who are already investigating this matter.

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 2025-10-28 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: MI

Complaint narrative:
XXXX XXXX XXXX  reporting inaccurate and unverifiable charge-off I am requesting a fair and complete reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX XXXX  account ( opened XX/XX/XXXX, limit {$500.00} ) is being reported as charged-off with {$170.00} past due as of XX/XX/XXXX, and the payment history shows derogatory marks for multiple months in XXXX. 

This reporting is inaccurate for the following reasons : XXXX. The account was opened after my Chapter XXXX bankruptcy was XXXX on XX/XX/XXXX, so it could not legally be included in any prior bankruptcy. 
XXXX. XXXX has failed to verify any lawful permissible-purpose access or furnish supporting data from a verifiable source. 
XXXX. All third-party data repositories used by the credit bureaus ( XXXX, XXXX, XXXX, etc. ) are currently under active security freeze, which makes it impossible to perform lawful verification.

Under FCRA 604 ( a ) and 611 ( a ), I request that this XXXX account be permanently deleted from my credit report for failure to verify accuracy and permissible purpose. 

Please also provide written documentation of the data furnisher or database used in any verification attempt, per 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-28 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ), can not access or view my Experian credit report online. Experian displays a message saying it can not show my report because my lenders may have different personal information. My file has not updated since XX/XX/2025. I have provided my correct legal name and address, but Experian continues to block access and has not issued any new report or investigation results. 

At the same time, a furnisher ( XXXX XXXX XXXX, serviced by XXXX XXXX XXXX ) is associated with a collection account originally from XXXX XXXX XXXX  ( ending XXXX ). A collector ( XXXX XXXX XXXX ) sent me a letter dated XX/XX/2025 admitting the account is time-barred ( will not sue and will not report ). Despite this, the furnisher may still be furnishing or maintaining inaccurate information under the wrong name ( XXXX XXXX ). 
My legal name is XXXX XXXX XXXX. 

On XX/XX/2025 I sent certified debt-validation and deletion demands to both XXXX XXXX XXXX and XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C.

1681i, 1681s-2 ). Neither has provided the required documentation ( contract, chain of title, itemized account history, or proof of name correction ).

Experian has failed to provide me my credit report as required by FCRA 609 ( a ) ( 1 ), failed to permit a reinvestigation under FCRA 611 ( a ), and failed to ensure accurate personal-identifying information under FCRA 607 ( b ). 

I request that the CFPB : XXXX. Require Experian to unlock and provide access to my credit report and allow me to dispute information. 
XXXX. Require XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify or delete the alleged tradeline. 
XXXX. Ensure that all inaccurate name records ( XXXX XXXX ) are corrected or permanently deleted from my credit file.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I dispute the discover Bank account XXXX. Discover is reporting false late payments and inconsistent balances across the bureaus, violating FCRA 607 ( b ). They have not provided proper documentation verifying liability. Under FCRA 611 ( a ), unverifiable data must be deleted from XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NM

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies being reported on my credit file that are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information below represents accounts that are falsely reported, unverified, and have not been properly investigated despite previous disputes. These actions have resulted in damage to my creditworthiness, emotional distress, and financial harm. 

MOHELA/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXXXXXX XXXX XXXX XXXXXXXX : Late Payment This account continues to report incorrect late payments that do not reflect accurate payment history. I have provided prior disputes showing inconsistency in the dates and reporting periods. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information known to be inaccurate. Failure to correct this after multiple disputes is a clear violation, and it demonstrates negligence in maintaining accuracy as required by 1681e ( b ). 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX : Late Payment This account reflects alleged delinquencies during a period of administrative forbearance. Under the CARES Act and FCRA 1681s-2 ( a ) ( 1 ) ( B ), such reporting is prohibited when payments are suspended or deferred. Reporting lates during that period is unlawful and damaging. This error must be corrected or deleted immediately as no verifiable evidence supports the current status. 

XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX : XXXX XXXXXXXX : Late Payment The information being reported is inconsistent across credit bureaus, indicating unreliable data handling and violation of FCRA 611 ( a ) ( 5 ) ( A ). Each bureau must ensure uniform and verified information. This accounts late payment history appears fabricated and unsupported by any documentation provided upon prior requests. I demand immediate deletion as the continued reporting violates my consumer rights. 

The continuous reporting of these inaccurate items violates federal consumer protection laws. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters and take appropriate enforcement action to ensure compliance with all applicable sections of the FCRA and FDCPA. I further request the immediate deletion or correction of the false information and a written confirmation of the resolution.

Company response to consumer: Closed with non-monetary relief