vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Have tried to login to my account so many times, but it always says my login info doesn't match their records. My identification doesn't doesn't match their records, but they take money out of my account every month. There is no way to get a resolution. The phone system is a joke. You can't email them unless you login. How convenient they don't let you log in. The fact our government trusts them to manage our accounts while providing no service is a disgrace.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: Kovo
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX of XXXX XXXX Bank SS and Kovo XXXX account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The derogatory rating currently on my account has created substantial financial difficulties and emotional stress that continue to affect my daily life. This negative mark has already caused concrete harm by leading to the denial of a recent loan application and triggering increased interest rates on my existing credit accounts, resulting in higher monthly payments and additional financial burden. The ongoing presence of this derogatory information severely limits my access to favorable credit terms and financial opportunities, creating a cycle of financial hardship that impacts my ability to meet my obligations and achieve my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent account reported under my credit file. I have never authorized, opened, or used this account, and I deny any connection to it. Its reporting is false and has caused undue harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm is only reporting my first and last name and I explain to them that someone else information is merging with mines they keep telling me they cant fix it and its for my safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Since last year Capital One has contacted me to verify my date of birth which I did. I provided my drivers license. Since then every month I receive a letter or email saying they will XXXX down my account if I do not provide my date of birth. I have done this multiple times ( about XXXX ) and placed on hold for XXXX - XXXX hours missing work. One time back in XXXX or XXXX they shut down my account and refused to compensate me for the mistake unless I provided receipts. Now, they are requesting me to provide information for my account holder who is my TWIN, cause they said we have the same date of birth ( obviously we are twins ). I provided it and they keep stating it is an invalid ID, I provided her unexpired drivers license. They have restricted mine and my partners accounts which we only have with them, i have no money, been on hold and am being told to keep contacting other people. I need urgent help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute a fraudulent account reported on my credit file. I did not open, authorize, or use this account, and I have no connection to it. Its presence is inaccurate and continues to cause harm to my credit reputation.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-04 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received my refund check on the XXXX of XXXX I deposited the check as soon as I got it out of the mail after work which was a Friday night so on the XXXX of XXXX my account was frozen and do for permanent closure do to fraudulent activities when I called fraud services they said the treasury department has flagged my check as possible fraud which I dont understand so you can imagine I called the IRS and I have these phone conversations recorded telling me that everything is good with my check. Theres nothing flag fraud it on the account so I called you all back chase bank. and theyre telling me that oh the treasury department is who you all are communicating with about this issue so I called the treasury department and they told me that no sir nothing is on the account or the check is flagged fraudulent and furthermore, the treasury department does not flag anything all they do is pay through the IRS tell them to send a check to. And then the treasure department told me that XXXX XXXX we processed the funds for this payment on XXXX XXXX that the funds to this check has already been paid to your financial institution and that your financial institution has no right the whole federal funds, but thats above my pay grade so before I seek further action, I am emailing to see if this matter can be resolved without mitigation this is all my info even the year. I paid these taxes the original amount of the tax that was filed is in this information so could you please give me a call back concerning this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the victim of identity theft and XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account on my credit file. 

The alleged account is for an XXXX XXXX, balance {$1100.00}, Account # XXXX. I have never applied for, owned, or authorized this account, nor do I have any relationship with the original creditor. This debt is not mine and appears to be the result of mistaken identity or fraud. 

XXXX XXXX XXXX has attempted to collect on this account and has furnished false, inaccurate, and inconsistent information to Experian, Equifax, and TransUnion, damaging my credit history. Specifically : The account number in their collection letters does not match the number on my credit report. 

The name on the account does not match my name at all. 

These discrepancies prove that XXXX XXXX is reporting data tied to the wrong individual. 

I previously requested an investigation directly from XXXX XXXX, but instead of correcting the errors, their response was to instruct me to file an Identity Theft Report with the FTC. I have since filed an official FTC Identity Theft Report and am attaching it to this complaint. 

I am requesting that this fraudulent account be blocked and permanently removed from all of my credit reports under FCRA 605B, and that XXXX XXXX XXXX be investigated for violations of the FDCPA and FCRA for knowingly furnishing false identity information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am the victim of identity theft and XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent account on my credit file. 

The alleged account is for an XXXX XXXX, balance {$1100.00}, Account # XXXX. I have never applied for, owned, or authorized this account, nor do I have any relationship with the original creditor. This debt is not mine and appears to be the result of mistaken identity or fraud. 

XXXX XXXX XXXX has attempted to collect on this account and has furnished false, inaccurate, and inconsistent information to Experian, XXXX XXXX XXXX, damaging my credit history. Specifically : The account number in their collection letters does not match the number on my credit report. 

The name on the account does not match my name at all. 

These discrepancies prove that XXXX XXXX is reporting data tied to the wrong individual. 

I previously requested an investigation directly from XXXX XXXX, but instead of correcting the errors, their response was to instruct me to file an Identity Theft Report with the FTC. I have since filed an official FTC Identity Theft Report and am attaching it to this complaint. 

I am requesting that this fraudulent account be blocked and permanently removed from all of my credit reports under FCRA 605B, and that XXXX XXXX XXXX be investigated for violations of the FDCPA and FCRA for knowingly furnishing false identity information.

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 2025-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : 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 As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file.

I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise.

Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-09-04 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have discovered a collection entry from your agency on my credit file that was reported without any prior notification or communication regarding this alleged debt. This collection listing raises significant concerns about its accuracy and validity, as I have no documentation or memory of being properly informed about this matter before it appeared on my credit report. Under the Fair Debt Collection Practices Act, I am exercising my legal right to request complete debt validation, including verification of the original creditor, account history, and the specific amount being claimed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation