vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I received a report on my credit that I have no recollection about. I dont know who this company is and why they are trying to collect this debt. I have not received anything stating this nor a email regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and Account Number is XXXX and I need Case # XXXX : Axos XXXX  - Disputed Transaction to be appeal to be reopen and investigated again and review again because I disagree with the old decision on it and I want a new decision to be made and assign it to a new dispute investigator person and make this decision urgent and urgency response needed asp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 unfamiliar with these accounts and believe they result from fraud. Kindly investigate and remove them from my credit history. Documentation is enclosed.

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 2025-11-04 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: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, Wyoming, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/year> Bonneville  Collections XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Subject : NoticeofViolationsUndertheFairDebtCollectionPracticesAct ( 15U.S.C.1692etseq. ) IntenttoSueandDemandforStatutory Damages Dear Bonneville Collections, I am writing regarding your companys collection activities relating to account number XXXX After reviewing your actions in this matter, I believe your company has violated multiple provisions of the FairDebtCollectionPracticesAct ( FDCPA ), includingbutnotlimitedtothe following : Failuretoprovidedebtvalidationaftertimely request ( 1692g ) ; Continuingcollectioneffortswhilethedebt wasdisputed ( 1692g ( b ) ) ; Harassingorabusivecommunicationsin connectionwiththedebt ( 1692d ).

Pursuantto15U.S.C.1692k, Iamentitledto statutorydamagesofupto {$1000.00}, aswellas actualdamages, attorneysfees, andcosts.

To resolve this matter without litigation, I demand payment of {$1000.00} in statutory damages within 15daysof receipt of this letter. Upon receiving full payment, I will consider the matter resolved and will release your company from further liability regarding these specific violations.

If you do not respond within15days, I will consider legal action in the appropriate court and will seek all relief provided by law, including attorneysfees and costs.

Please send payment or correspondence regarding settlement to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: RI

Complaint narrative:
On XX/XX/year>, I sent a formal letter to MOHELAs Credit Disputes Department demanding validation and correction of inaccurate and incomplete information being reported to the credit bureaus.

The letter clearly cited my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the Fair Debt Collection Practices Act ( 1692g ), and the Gramm-Leach-Bliley Act ( 6802 ( b ) ), and requested proof of a lawful permissible purpose, original signed contract, and full accounting of the alleged debt.

Despite this being a formal written request, MOHELA has failed to respond within the 30-day period required by law. To this day, I have not received any written verification, documentation, or acknowledgment from them.

This ongoing lack of response violates my rights under the FCRA, which mandates that if information can not be verified within the legal timeframe, it must be deleted from my credit file.

MOHELA continues to report unverifiable and inaccurate data, despite having no evidence of a valid contract or permissible purpose to furnish or maintain this account.

Their silence and failure to act represent a willful and negligent violation of federal law, as defined in 15 U.S.C. 1681n, 1681o, and 1692g ( b ).

I am requesting that the CFPB investigate MOHELAs failure to comply with federal reporting and validation requirements and direct the immediate
deletion of all accounts listed in my original dispute : Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is now my second attempt to obtain a lawful response from MOHELA, and they have completely ignored my consumer rights. I am asking CFPB to take enforcement action and ensure full compliance with the law.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because all three major credit bureausXXXX XXXX, and Equifaxare inaccurately reporting a late payment for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Balance : {$0.00} - Past Due : {$0.00} XXXX XXXX  This account was fully paid and current at the time in question, yet it continues to be reflected as having a delinquency that never occurred. 

I have previously disputed this item directly with the credit bureaus, but their reinvestigations did not include proper verification or supporting documentation from the furnisher. Instead, I received vague responses claiming the information was verified as accurate, without any evidence of how or by whom the verification was conducted. This approach fails to satisfy the FCRAs requirement for a reasonable and meaningful investigation.

Under 15 U.S. Code 1666 ( b ) and 1681n, credit reporting agencies and furnishers are obligated to ensure that any information they report is accurate and complete. Once a consumer identifies an inaccuracy and requests a correction, they must verify it with actual recordssimply confirming prior data entries is not enough. The continued presence of this false late payment not only violates those obligations but also harms my credit profile by suggesting a payment delinquency that does not exist. 

The emotional and financial impact of this false reporting has been significant. It has lowered my credit score and made it harder to qualify for affordable rates and new credit opportunities. I have provided proof of timely payment, and there is no justification for this derogatory mark to remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am submitting this complaint because my XXXXXXXX XXXX XXXX XXXX XXXX  account is being reported inconsistently across all XXXX major credit bureaus, resulting in inaccurate and misleading information on my credit reports. 
Each bureau lists different and contradictory details for the same mortgage loan. Specifically : Equifax reports XXXX account ( XXXX ) as delinquent dated XX/XX/year>, while another account ( XXXX ) for the same loan shows XXXX / XXXX Never late. 
XXXX reports XXXX account ( XXXX ) with a delinquency under payment history but lists the subsequent account ( XXXX ) as paid in XX/XX/year> and never late. 
XXXX  shows the same pattern XXXX account ( XXXX XXXX XXXX XXXX XXXX  ) reported late and another ( XXXX XXXX XXXX XXXX XXXX ) paid as agreed. 
XXXX lists Account XXXX as XXXX  days past due on XX/XX/year>, even though the payment was not due until XX/XX/year>, and the account was transferred immediately thereafter. 
These conflicting entries all refer to the same mortgage, which was never late and was paid in full at transfer. Reporting XXXX account as delinquent while another lists on-time payment is inconsistent, violates the FCRAs accuracy standards under 15 U.S.C. 1681e ( b ) and 1681i ( a ), and has negatively affected my credit standing. 
I have disputed the information with all XXXX bureaus ( Equifax, XXXX XXXX, and XXXX ). Each dispute references the same underlying error the alleged XXXX delinquency in XX/XX/year> which is factually incorrect. I am requesting CFPB assistance to ensure each bureau conducts a lawful and thorough investigation and corrects this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because my XXXXXXXX XXXX XXXX XXXX XXXX  account is being reported inconsistently across all XXXX major credit bureaus, resulting in inaccurate and misleading information on my credit reports. 
Each bureau lists different and contradictory details for the same mortgage loan. Specifically : XXXX  reports XXXX account ( XXXX ) as delinquent dated XX/XX/year>, while another account ( XXXX ) for the same loan shows XXXX / XXXX Never late. 
XXXX  reports XXXX account ( XXXX ) with a delinquency under payment history but lists the subsequent account ( XXXX ) as paid in XX/XX/year> and never late. 
TransUnion shows the same pattern XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) reported late and another ( XXXX XXXX XXXX XXXX XXXX  ) paid as agreed. 
XXXX lists Account XXXX as XXXX  days past due on XX/XX/year>, even though the payment was not due until XX/XX/year>, and the account was transferred immediately thereafter. 
These conflicting entries all refer to the same mortgage, which was never late and was paid in full at transfer. Reporting XXXX account as delinquent while another lists on-time payment is inconsistent, violates the FCRAs accuracy standards under 15 U.S.C. 1681e ( b ) and 1681i ( a ), and has negatively affected my credit standing. 
I have disputed the information with all XXXX bureaus ( XXXX XXXX, TransUnion, and XXXX ). Each dispute references the same underlying error the alleged XXXX delinquency in XX/XX/year> which is factually incorrect. I am requesting CFPB assistance to ensure each bureau conducts a lawful and thorough investigation and corrects this inaccurate reporting.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was the victim of a deceptive scam involving a company called XXXX, whose representatives falsely claimed to be lawyers working with XXXX ( a U.S. Treasury agency ) to release funds owed to me. They appeared legitimate and instructed me to make several transactions on my CAPITAL ONE CREDIT CARD for verification. 

I later discovered this was fraud and immediately reported it to Capital One. I was told an investigation would be opened, but my claim was later denied because the transactions were considered " authorized ''. A Capital One employee has since admitted my case was likely MISCLASSIFIED AS FRAUD INSTEAD OF A DISPUTED TRANSACTION, which affected how it was handled. 

Capital One also only posted correspondence in the online message center, and I was never notified to check it -- so my case was closed for " no response ''. I did everything a reasonable consumer should do : I reported promptly, provided information and acted in good faith. 

I'm asking the CFPB to require Capital One to REOPEN AND REINVESTIGATE this case as FRAUD BASED ON DECEPTION, issue credit for the fraudulent charges if warranted, and correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
These accounts were not authorized by me and may be linked to fraudulent activity. I respectfully request their elimination from my credit history and a complete review. Supporting paperwork is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Refinance Payment Issue Summary We originally had our mortgage with XXXX XXXX XXXX XXXX, but the loan was sold to PennyMac. During that transfer, our payments were mishandled. 

In XXXX, XXXX XXXX initially instructed us to make our payment to them. However, after speaking with PennyMac, we were told to make the payment to PennyMac instead.

Following PennyMacs instructions, I made the XX/XX/XXXX payment directly to PennyMac. I have proof of payment from both the PennyMac website and my personal checking account. 

Afterward, we contacted both PennyMac and XXXX XXXX XXXX XXXX, and each assured us that any payment transfer issues would be resolved between the XXXX institutions. Based on those assurances, we trusted that the matter was being handled. 

I have AutoPay set up, but it did not process the XXXX payment, so I made that payment manually online. I then re-enrolled in XXXX for the XX/XX/XXXX payment, but that also failed to process. 

On XX/XX/XXXX, I called PennyMac to determine why the automatic payment had not gone through. I was then informed that our account was being reported as XXXX  days late, despite the fact that all payments have been made and documented. 

Requested Resolution - Immediate removal and reversal of any negative credit reporting related to this issue. 
- Written confirmation that our account is current and in good standing.

- Assurance that this payment transfer issue is fully resolved and that it will not occur again going forward. 

I have document I can send at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation