vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I don't agree with the personal information listed below which still appears on my credit report, even after your Investigation. I would like all personal information listed in the complaint to be immediately re-investigated. These inaccuracies are highly injurious to my credit profile. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

I DO NOT RECOGNISE ADDRESSES AND NAMES PLEASE REMOVE FROM REPORT THANK YOU XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2025-07-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is not only violating my right to privacy but also failing to investigate the 14 hard inquiries attached to this complaint. I have requested proof that authorized these inquiries as well as a fair and proper investigation and they are saying this is a frivolous matter!!!! Not okay! I have never authorized these inquiries, nor have I initiated any transactions or applications that would warrant them. Accordingly, I demand that Equifax conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i, and permanently delete all fraudulent inquiries 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am currently enrolled in the XXXX repayment plan for federal student loans, serviced by MOHELA. Due to the federal injunction in early 2025, all XXXX borrowers were placed in administrative forbearance with 0 % interest and no payments due. 

Despite this, my Mohela account ( Account # : XXXX ) shows accrued unpaid interest during this period, even though the interest rate is listed as 0.00 %. Mohela also sent me a message confirming the interest accrual, which directly contradicts the Department of Educations guidance.

I submitted a formal dispute to Mohela but have not received resolution. This misreporting may affect my loan balance, forgiveness eligibility, and financial planning. I am requesting that Mohela immediately reverse any improperly accrued interest and provide written confirmation that no interest is accruing while the SAVE plan remains in administrative forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: UT

Complaint narrative:
After filing complaint kickoff locked me out of my account claiming payment needed to be updated, however I can not log into my account instead it is trying to get me to set up a new account. Opening a new account would wipe out the current account that the complaint is about. I have sent email after email trying to access my account and can't yet they keep sending me texts and emails saying my credit is in danger. These are deceptive practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I paid my plumber {$370.00} through XXXX. I had to create a new recipient. When entering the phone number, I mistyped the last digit ( entered 8 instead of 9 ). When the payment was not being received at the other end, I noticed my mistake, corrected the phone number and sent the payment to the plumber again. 
I immediately called Bank of America and spoke to them within 30 minutes of the erroneous transaction. Instead of immediately reversing it like they are required to do, they took a week to do so, allowing the funds to disappear at the other end. Then they told me they were unable to recover the funds from the other bank. I called and had them try again. Same result. 

It is my understanding that, despite the fact that BoA likes to pretend XXXX is the same as using cash, Regulation E, authorized under the Electronic Fund Transfer Act, protects consumers from an incorrect electronic fund transfer to or from their account through XXXX. BoA seems to think this only applies if they are the ones who made the mistake, but my understanding of the regulation is that it also applies if the mistake was mine. 

I also texted the phone number who received the funds to ask them to make sure the funds were in their account so the bank system recovery could go through. Of course, no luck there. So, here we have someone who received a transfer that obviously didn't belong to them and used the money and a bank that took their good old time to process a transaction reversal, allowing for this to happen. Modern thievery. And it is not the same thing as using cash. When handing cash to someone, you can't accidentally, hand it to the wrong person. But you even when being careful, one can accidentally mistype a digit on a XXXX inch phone screen and not notice. I tend to think that my funds need to be returned, even if it means over drafting the account on the other end. After all, they knew this money wasn't theirs and still used it.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
An account was opened that I did not use or authorize... the company is XXXX... I've called and they will not take it off unless I pay {$270.00}.. I didn't open it, authorize it .. it was done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm , Inc. has inaccurately reported some of my accounts as included in bankruptcy and others as late or delinquent. These accounts were not included in my bankruptcy filing. I have notified Affirm multiple times and provided documentation, yet they have continued to split the reporting of my accountssome showing bankruptcy status and others showing missed payments. 

This is inaccurate and misleading, and it violates the Fair Credit Reporting Act ( FCRA ). Despite repeated attempts to resolve the issue, Affirm has not corrected the errors. This has negatively impacted my credit and remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WESTSTAR MORTGAGE CORPORATION
State: GA

Complaint narrative:
Weststar Mortgage took over my mortgage from XXXX in XX/XX/XXXX. 
Prior to this my XXXX XXXX was XXXX. I had never missed a payment ever anywhere. I take pride in my creditworthiness. I value intergrity. 
No one gave me an option to pay off the loan prior to the transfer. Weststar payment system is problematic. 
In XX/XX/XXXX. I made XXXX payments to welstart and set up an autopay. Last payment was credited to my account on XX/XX/XXXX. On XX/XX/XXXX Weststar made a report to the credit reporting agency that I was XXXX days overdue. They said that my autopay did not kick in until XXXX, XXXX. 
I do not agree that I was in default for XXXX days. I made a payment on that posted on XX/XX/XXXX. I had an active autopay. There was no reasonable attempt made to contact me. 
I feel that the impact on my credit score which has dropped from XXXX to XXXX is unfair. I did everything that i could as a customer. I was on vacation all the month of XXXX in XXXX and was unable to check my post. Apparently weststar sent me snail mail rather than calling or sending emails to warn me of the impending default. 
I think this is unfair and impact me adversely far more than is necessary. I have reached out to Weststar and sent in a copy of my bank statement and even paid the next mortgage payment ahead of time. They have refused to remedy the situation with the credit reporting. 
I need help. This is going to impact me financially for the next XXXX years. This is very unfair. 
Please protect me from Weststar Mortgage company.

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 2025-07-07 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that can no longer be overlooked. These inaccuracies are directly harming my credit score and standing in the way of my financial stability and freedom.

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 2025-07-07 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX XXXX XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 2025-07-07 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: AL

Complaint narrative:
I a submitting this statement to report identity theft that was significantly affected my life. Recently, I discovered unauthorized transactions on y accounts and fraudulent accounts opened in my name. Upon further investigation, i realized my personal information has been compromised. this situation has caused me financial stress, XXXX  and damage to my credit score. I have taken immediate action by reporting these incidents to the credit bureaus, but the fear of further misuse of my identity continues to weigh heavily on me. i respectfully request assistance from the FTC in resolving this matter and restoring my identity. i am committed to providing any additional information needed to aid in the investigation. Thank you for your attention to this serious issue.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I paid off my Capital One credit card in full. Despite doing so, my account remained locked with no clear explanation. I also discovered that I no longer had access to my cash back rewards or my other Capital One card, which I had intended to pay off but found was also locked. 

When I called customer service, I was told I needed to submit a bank statement to verify the payment. I complied. I was then informed it would take XXXX business days for their back office to review the statement, and that I would be contacted for a three-way call with my bank. No further justification was provided, and they refused to give clear written instructions. 

When I attempted to record the call for documentation purposes, Capital One representatives threatened to end the call unless the recording stopped. I do not feel safe or comfortable allowing a third party to initiate a live call with my bank. 

At this point, I do not feel comfortable making further payments to Capital One until I receive a full explanation and resolution. I am filing this complaint to document the experience and request immediate reinstatement of access to my accounts and rewards, along with written clarification of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX - placed order online XXXX - order cancelled - reason : none given XXXX - called XXXX - Agent informed me there was a system error and to call XXXX again to get assistance placing the order as they are unable to and that the item was still in stock. I informed the agent I have case # XXXX opened for this issue and that I've had XXXX items cancelled in the last 2 years XXXX - called the number again. Automated system gave reason " Payment Issue with Order. '' Agent came on phone, looked into account and I was told the system " can't verify your billing information. '' I told them that was a lie and the same reason I was given the last 4 times I have called and have an open case that no one has contacted me about. So there is something else happening. Agent looked into item I wanted to purchase and item was already sold out. they told me they would " transfer me to the department that can resolve the consistent cancellation issues you are having. '' XXXX - Agent XXXX came on the line. I let her know I was transferred to her as she was the department that can resolve the issues I have been having with the cancellations. Provided my information as well as let her know I have an open case that I have not heard back on with any information. She responded that she was " looking into cancellation reason. '' I asked if she was the department that handles the issues I am having with the constant cancellations or if she was the general support line. She did not answer my question and left me in silence. Started talking again continuing her own conversation. I interrupted her asking if she was going to answer my question or simply ignore me. She came back saying she understood my question and asked me to repeat it, which I did. She then paused for XXXX seconds and said she was with the general support team. I said she would be unable to assist me and then I asked for a supervisor that can. She placed me on about a XXXX min hold and came back on the phone stating " I have a supervisor that will get to you in ... '' then she hung up on me. 


Attached is also the transcript I have speaking with someone on XX/XX/XXXX that opened the case for me that I have not received any information on.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/year>, I received a promotional offer in the mail from American Express for XXXX XXXX. The terms were spend XXXX in your XXXXt XXXX XXXXonths and receive XXXX XXXX points and XXXX nights credit. I applied for the card and was immediately approved. In XXXX, I put XXXX on the card. I never received the promotional offer nor was I notified that I was not eligible for the offer. Today, I contacted AMEX customer service and was told by a snarky person, XXXX, that I wasn't eligible for the offer based on my history with AMEX. He unreasonably asked me to produce the mailing which has XXXX been discarded. I have only had a XXXX AMEX card in the past. Moreover, had I known I was not eligible for the promotional I would have never signed up a rather I would have opted for another card that was offering equally as good promotional offers. I never was notified by AMEX PRIOR to my annual fee that the promotional offer did not apply to my. Accordingly, I would like AMEX to honor the promotional terms or refund me the full annual membership fee and I will cancel the card. This tactic they use of mailing promotional items to entice people to sign up the revoking the offers is equivalent to bait and switch and is highly deceptive.

Company response to consumer: Closed with explanation