vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas. XXXX Equifax RE : Identity Theft Block Request To whom it may concern, I am a victim of identity theft. The information listed below appears on my credit report as a result of this identity theft. These accounts were opened or used fraudulently, and I am requesting they be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report within four ( 4 ) business days, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Kindly send me a notification of the actions taken. I greatly appreciate your prompt and expedited attention to this matter. 

Sincerely, XXXX XXXX Enclosed : Proof of identity Identity theft report/documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: DE

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-24 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-24 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am not liable for this debt of {$2100.00} that this company is trying to collect. I have not signed a contract with XXXX  for the account with Account # XXXX. Having this negative account on my credit report is making it extremely difficult to build credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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 recently reviewed a copy from my credit report and noticied i fraudulent accounts on my report. Please removed these a accounts from my credit report, they are hurting my ability to obtain credit. 
I need you to protect my identity and remove this collection account from my credit reports. I was never notified, nor did you send me any notification, because it's damaging my credit reputation. As you can see, I've always had excellent payments, and I've never missed a payment on my credit cards or loans. Therefore, I request that this collection account, which I did not participate in, be removed. 
Thanks you for your help.

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 2025-05-24 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: MI

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 2025-05-24 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: TX

Complaint narrative:
Method of Verification & Reinvestigation Under FCRA Formal Dispute Follow-Up

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 2025-05-24 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: TX

Complaint narrative:
Demand for Immediate Deletion of Unverifiable and Inaccurate Accounts FCRA Compliance Required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My business opened a business credit card with TD Bank. I believed this was a business-only account. I recently noticed that a 30-day late payment was reported to my personal credit report, which was surprising to me. 

Im trying to understand the reporting activity and communication associated with this. Ive asked TD Bank to clarify a few things like when the payment was reported, the payment due date, and if any notices were sent but I havent received any supporting documentation.

Id really appreciate if TD Bank could share any records or correspondence that explain what was reported, when it was reported, and how it was communicated. This would help me understand what happened and make sure everything is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am formally disputing inaccurate credit reporting by Capital One regarding a charged-off account that appears on my credit report. The issue concerns the last payment date that is being reported. 

According to the information provided by Capital One, the last payment date is listed as XX/XX/XXXX. However, based on my own payment records and documentation, my actual last payment was made in XX/XX/XXXX. This means the information being reported is incorrect and does not accurately reflect my payment history.

This incorrect date is significant because the date of last payment determines when the account should legally fall off my credit report, which is typically seven years from the date of delinquency. By misreporting a later date, this could unfairly extend the negative impact of this account on my credit profile and potentially affect my ability to secure credit, housing, or employment. 
I have attempted to resolve this issue by submitting a dispute and requesting that the information be verified or corrected. Ive asked that Capital One either update the last payment date to reflect the accurate information ( XX/XX/XXXX ) or, if they can not verify it, remove the account entirely from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 
As of now, I have not received any confirmation that the error has been corrected. I am asking for a full investigation into this matter and a resolution that ensures the accuracy of my credit report. I believe that accurate reporting is not only my right under federal law but also necessary to ensure fair treatment as a consumer. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX is stating that although the bureaus have been notified to delete the information from my credit reports, XXXX hasn't or won't delete the account out of my name, their stating that I'm still responsible, Which I'm challenging that I'm in no way responsible for this fraudulently opened student loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid a one-time refundable deposit of {$50.00} to join a waitlist on the XXXXXXXX XXXX XXXX  for the " XXXX XXXX '' tickets of an event hosted by " XXXX ''. At the time of this initial payment, the platform stated that my credit card would be automatically charged if tickets became available. However, XXXX did not provide a clear or timely notification prior to charging my account, nor did they seek explicit confirmation for a charge of this magnitude. 

On XX/XX/XXXX, without prior notification or additional confirmation, my credit card was unexpectedly charged {$4900.00}, significantly exceeding my card 's credit limit of {$400.00}. This unauthorized overdraft has caused severe financial stress, as I am a student and this expense poses significant economic hardship. 

Upon receiving the unexpected charge, I immediately contacted XXXX to request a cancellation and refund, explaining that the tickets were released too close to the event date, leaving insufficient time for me or my friend, who is currently in XXXX, to make travel arrangements. Additionally, my family and I have tested positive for XXXX, making attendance impossible. Despite clearly communicating these circumstances to XXXX, they have not provided any substantive resolution or refund. 

I also contacted Bank of America on XX/XX/XXXX, to dispute this unauthorized transaction. The claim is currently under review. 

I am seeking CFPBs assistance in addressing this unfair practice by XXXX and the bank 's allowance of a transaction substantially exceeding my credit limit without explicit consent or adequate notification. I request that XXXX  promptly issue a full refund and that the involved financial institutions uphold their responsibility to prevent unauthorized overdrafts. 

I am currently a student, and this unexpected charge of nearly {$5000.00} significantly exceeds my credit limit and places an overwhelming financial burden on me. This situation has caused me considerable XXXX  and XXXX, as I simply do not have the means to absorb such a substantial financial loss. I sincerely request immediate assistance to resolve this issue, as the impact of this unauthorized transaction is devastating to my personal financial stability and mental well-being. 

Thank you very much for your prompt attention to this urgent 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 monetary relief
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8100.00}

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 2025-05-24 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: Entrata Inc.
State: TX

Complaint narrative:
I am demanding the immediate correction and removal of the grossly inaccurate and unverifiable information reported on my credit reports for account XXXX XXXX XXXX XXXX XXXX XXXX, a purported rental agreement account. The egregious discrepancies across TransUnion and XXXX violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ). You must rectify this issue without delay and cease reporting this false data to credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) 609 ( 15 U.S.C. 1681g ) Failure to resolve this matter may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, ( FTC ) and the Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
I consolidated my federal loans in XX/XX/XXXX. Consolidation would be on the Public Service Loan Forgiveness ( PSLF ) SAVE plan. I received my first billing statement from MOHELA on XX/XX/XXXX, which I paid in full. On XX/XX/XXXX I received a document online from MOHELA stating that my loans were placed in forbearance. The letter stated the following : While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 
You will not receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( s ) covered by the forbearance.

If you made or make a payment for the month ( s ) you are in the forbearance, the amounts paid will go toward satisfying your future payment ( s ). 
We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least 21 days before your next monthly payment is due. 

Upon receiving this letter, I attempted to contact MOHELA for weeks. The XXXX hour wait times prevented me from being able to reach them in a timely fashion. I did get ahold on them once. I asked them if I continued to pay my monthly payments during forbearance if they would retroactively count towards my PSLF payments. They also told me that the SAVE plan was still going through litigation. On XX/XX/XXXX, I received a billing statement from MOHELA, but no letter online or by mail was sent to me to state that my loans were no longer in forbearance. As per the forbearance letter referred to above, MOHELA said they would notify me before the forbearance comes to an end. I have yet to be notified that the forbearance has come to an end but then again received monthly billing statements in XXXX & XX/XX/XXXX, as well as a letter stating that my loans are past due. 

Also, as per the forbearance letter referred to above, MOHELA said 'while you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' My account is still actively accruing interest and I am still receiving letters that payments are due. 

Every bullet point that MOHELA sent me in the forbearance letter has been contradicted by them directly, yet I am not able to obtain any information about what is happening with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
In XXXX, we received a collection notice from XXXX XXXX on a XXXX  service with a charge that does not match up with internal records ( both XXXX  online and paper documents ). We contacted the collection agency on XX/XX/XXXX ( spoke XXXX from USCB America ) to dispute the debt unless XXXX can prove to us with an updated invoice in their system. We also contacted XXXX ( Ref # XXXX ) and they couldn't find a matching invoice for the service that was being sent to collection. XXXX says they will start an internal investigation. The total collection amount on the notice is {$460.00}. However, when we contacted the collection agency, they told us if we pay today XX/XX/XXXX, it will be {$240.00}. 

It has now been over a month without any response back from XXXX XXXX, but we still received occasionally phone calls from the collection agency saying it is our responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
I have unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-05-24 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: GA

Complaint narrative:
I have unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) regarding a collection account they are reporting to the credit bureaus for over {$2000.00}, allegedly tied to a XXXX XXXX account . 

On XX/XX/, 2025, I sent PRA a formal debt validation request. They never provided the required validation. Instead, I received a letter on XX/XX/ 2025, stating the account had been closed and carried a {$0.00} balance. Despite this, the account is still being reported on my credit files, and PRA has provided inconsistent and misleading information regarding its status.

I contacted PRA multiple times. Several employees told me that the account was returned to the original creditor and was no longer being pursued. However, when I spoke with their XXXX Department, I was told that a different account ( which I have no knowledge of ) was the one closed. The representative even read off several random XXXX charges that do not belong to me. ( For example, XXXX item was a bike rack. I do not even own a bike! ) To make matters worse, the agent falsely claimed that I had issued a cease-and-desist letter which is completely untrue. I still have a copy of my original XX/XX/XXXX letter, which explicitly requests validation and continued communication, not a cease-and-desist. 

To date, no validation has ever been sent. PRA continues to report this account inaccurately and in violation of FDCPA XXXX ( failure to validate a debt ) and FCRA XXXX ( failure to ensure the accuracy of reported information ). This is a clear violation of my rights and illegal under the FRCA.

Company response to consumer: Closed with non-monetary relief