vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
I checked my credit and see that I have a derogatory remark on my credit about my student loans. I just withdrew from school and haven't been notified of a a student loan payment. When I called them they told me the payments was suppose to start in XXXX of 2024 but I was enrolled in XXXX XXXX XXXX XXXX. This is a violation of FERPA & violation under 15USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

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. 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 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 2025-08-29 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: CA

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 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 2025-08-29 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CARVANT FINANCIAL LLC
State: PA

Complaint narrative:
The dealership sold be a XXXX car lied to me during the process. I had to come out my pocket paying for repairs that was promised fix during the process the transmission and engine blew dealership told me that I should of never bought a car from them in the first place they did nothing to help me the cost was XXXX $ and I was too much for me to pay thats a price for wa new car I gave the car back the financing company harass me they called my jobs and told my jobs business which goes against hippa violation they told my job I cant pay for my car and my car will get repossessed they called my family members that I listed on the application and also told them my business they sent a towing company to steal all the items out my car they didnt even tow it the company never put the money towards my balance they said they have to record of me paying only when I bout the car it was originally XXXX company never put my money I was paying towards my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CO

Complaint narrative:
I am writing to report that I am a victim of identity theft. Recently, I discovered unauthorized activity on my credit report and/or accounts that I did not initiate, authorize, or benefit from. 

The following fraudulent accounts or charges have appeared in my name : - Reporting to XXXX or all three of the following credit reporting bureaus : Transunion, Experian and Equifax - XXXX XXXX, account number beginning XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$45000.00} - XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, total balance {$150.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$2100.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total balance {$1100.00} - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX, total balance {$410.00} - appears to have been placed in collections on XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$1400.00} - XXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX, total balance {$530.00}, established XX/XX/XXXX - XXXX XXXX, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, total balance {$0.00} - closed status I did not open these accounts, authorize these transactions, or give permission for anyone to use my personal information. I am requesting that these fraudulent accounts be removed from my credit file and that I not be held responsible for any charges incurred. 

I have already submitted an identity theft report through IdentityTheft.gov. Please find attached copies of my identity theft report, government-issued ID, and any other supporting documents. 

I respectfully request that you take the necessary steps to : 1. Block or remove fraudulent information from my credit file.

2. Confirm in writing that these fraudulent accounts have been deleted or corrected.

3. Ensure that no further collection activity is pursued against me for debts I did not incur. 

Thank you for your prompt assistance in helping me resolve 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 2025-08-29 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. I am also a confirmed victim of the XXXX  data breach, which has exposed my personal information to unauthorized individuals. As a result, my identity has been compromised, and fraudulent accounts have been opened in my name without my 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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX AND PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX AND PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a call saying that someone opened a credit card account in XXXX XXXX. A Chase Freedom card with ending XXXX. They told me that they would cancel it and gave me a cancellation confirmation # XXXX. They said my name and social security were used to open the account. Then they told me that I had to report it to CFPB and gave me a case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I made a transaction with a company the products was damaged. I contacted the company and I did everything the company recommended the company stop responding. I made a dispute with my bank and my bank did nothing! I filed complaints with the XXXX  as well & provided all correspondence my bank still turned a XXXX I eye I have direct deposit, an auto loan and several credit cards but my bank did not protect me from a company that ripped me off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC
State: MD

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Wakefield & Associates regarding inaccurate and harmful information that is being reported on my credit file. 

Details of the Issue : Creditor Name : Wakefield & Associates Reported Balance : {$1900.00} Status : Reporting as an open account without specifying account type Nature of Complaint : Inaccurate credit reporting and misleading collection practices Summary of Complaint : Wakefield & Associates is reporting themselves as the original creditor, which is false. I have no association with this company as an original creditor. They previously admitted to me that they are a debt collector, not an original lender. 

The account is being reported as open, but it does not specify the type of account, which is misleading and inaccurate. 

I have never received any notice or validation of debt from Wakefield & Associates as required under the Fair Debt Collection Practices Act ( FDCPA ). 

When I contacted Wakefield & Associates to request information, I was treated rudely, told I owed the debt without explanation, and denied proper documentation. 

The amount of {$1900.00} being reported is inaccurate, unverified, and is causing negative impact on my credit report. 

Requested Resolution : I request that the CFPB investigate Wakefield & Associates reporting practices. 

I request that Wakefield & Associates be required to provide full validation of this alleged debt, including documentation of the original creditor, signed agreements, and itemized balance details. 

If they can not provide proper validation, I request that this collection account be immediately removed from my credit reports with XXXX XXXX XXXX XXXX 

I further request that Wakefield & Associates cease all inaccurate and misleading reporting going forward. 

This account is both inaccurate and harmful to my creditworthiness. I respectfully request your immediate assistance in ensuring that Wakefield & Associates corrects or removes this reporting in compliance with the FCRA and FDCPA. 

Thank you for your time and support in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/year>, I received an email from Barclays concerning my XXXX credit card ( recently migrated from XXXX XXXX ) stating my payment was late. My most recent statement for that cycle clearly shows {$0.00} payment due. 

Barclays appears to have ( a ) generated an erroneous delinquency notice when no payment was due, and/or ( b ) misapplied/misread the migrated account data from the XXXX XXXX portfolio. This is a billing/servicing error and a furnisher accuracy issue. 

Requested resolution : XXXX. Written assurance that no late payment will be reported to any consumer reporting agency for this cycle. 
XXXX. Written confirmation that no late fee, penalty XXXX, adverse internal scoring, or other negative consequence has been or will be applied. 
XXXX. If any negative data was furnished in error, immediate deletion/correction across all CRAs and removal of any internal derogatory codes. 
XXXX. Confirmation that migration-related account records ( statement showing {$0.00} due ) are retained and associated to my account history. 

Relevant protections : FCRA 623 ( a ) ( 1 ) ( A ) / 12 C.F.R. 1022.42.43 ( Reg V ) furnishers must report accurately and must investigate and correct disputes ; TILA/Reg Z , 12 C.F.R. 1026.13 billing error resolution for open-end credit ( including improper charges/fees or statements not reflecting the correct amount due ). 

Facts : Portfolio transfer : XXXX XXXX Barclays ( XXXX card ). 
Barclays XXXX alleging late payment dated XX/XX/year>. 
Statement for the relevant cycle shows {$0.00} due. 
I am attaching the statement and the Barclays email. 

Please require Barclays to provide written confirmation addressing items ( XXXX ) ( XXXX ) above.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX AND XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX AND XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
All the credit monitoring reporting systems are unfair to consumers especially the elderly who have paid off their mortgages and have no car payments or revolving accounts, only credit card payments that are paid timely. My XXXX XXXX is XXXX ( dropped XXXX pts ) when I bought a car with cash instead of installment financing. I have no late payments, all credit cards ( XXXX open ) are paid in full monthly, and a significant balance in savings & checking accounts. I feel my score should be perfect. Yet, because I dont have any installment payments my score is rated very good instead of excellent. This rating could affect any future interest rates, if i choose to mortgage anything or purchase anything significant. Pls advise This is all XXXX  credit reporting systems XXXX, XXXX, Equifax

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
All the credit monitoring reporting systems are unfair to consumers especially the elderly who have paid off their mortgages and have no car payments or revolving accounts, only credit card payments that are paid timely. My XXXX XXXX is XXXX ( dropped XXXX pts ) when I bought a car with cash instead of installment financing. I have no late payments, all credit cards ( XXXX open ) are paid in full monthly, and a significant balance in savings & checking accounts. I feel my score should be perfect. Yet, because I dont have any installment payments my score is rated very good instead of excellent. This rating could affect any future interest rates, if i choose to mortgage anything or purchase anything significant. Pls advise This is all XXXX  credit reporting systems XXXX, XXXX, Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
CBE GROUP AND XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP AND XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 saw that the incorrect accounts are still listed on my credit report, and they have not been deleted. For this reason, I request that the documents I submitted be carefully reviewed so this problem can be fully resolved and no longer cause me concern.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
It is regarding the same complain I already filed XXXX times, Capital One closed my checking account ending in XXXX on XX/XX/year>. At the time of closure, my account had a balance of approximately {$18000.00}. 

I recently received a letter from Capital One ( dated XX/XX/year> ) responding to my complaint. The letter only explained that the account was closed permanently and that Capital One is unwilling to reopen it. However, it did not address the status of my money or provide instructions for returning my balance.

I am requesting that Capital One : 1.Confirm the exact balance in my account at the time of closure.

2.Immediately release the funds and provide me with a check or other means to access my money.

3.Provide a clear process for verification, since I live in Oklahoma where there are no Capital One branch locations.

Capital Ones failure to return my funds is causing me serious financial harm. I am seeking the CFPBs assistance in ensuring that my money is promptly returned.

Company response to consumer: Closed with explanation