vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXXXX/XX/XXXXXXXX Please delete and block the following accounts from my credit report AccountsXX/XX/XXXX- Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XX/XX/XXXX- Account Number : XXXX * XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXX XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/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 2025-05-23 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: LA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : 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 XXXXXX/XX/XXXXXXXX Please delete and block the following accounts from my credit report AccountsXX/XX/XXXX- Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XX/XX/XXXX Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XX/XX/XXXX- Account Number : XXXX * XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} Inquiries XXXX XX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXXXX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a 3 visa gift cards purchased from XXXX, {$100.00} {$50.00} {$25.00}. They are all registered on prepaidgiftbalance.com. Anytime I try to use any of them online the online store kicks it back with either declined or invalid. I tried using the link on the website that says click here if having a problem with the card. I fill out the information asked for in the form and the response is to call the phone number on the back of the card XXXX. When I call the number there is not an option for problems with the card other than lost/stolen, option XXXX. When selecting that option I get a recording with the individual saying they can not help me with my request. Then I get transferred back to the automated recording asking to take a survey which just hangs up. This is a continuous loop of no 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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX, XX/XX/year>, an unauthorized charge for {$2100.00} was processed on my Capital One XXXX credit card ( XXXX XXXX ). This transaction posted to my account the following day, on XXXX, XX/XX/year>. 

At the time of this charge, my credit limit was {$300.00}. I did not authorize this transaction, and I had not opted in to allow Capital One to approve charges over my credit limit. Despite this, Capital One approved a charge that exceeded my limit by over {$1800.00}. 

Even more troubling, just one day prioron XX/XX/XXXX, XXXX was denied a credit limit increase after months of responsibly managing the account and consistently paying off my balance. Capital One determined I was not eligible for an increase but then, within 24 hours, allowed an unauthorized transaction over seven times my approved limit. 

I called Capital One as soon as the charge appeared as pending. I was told I could not dispute the transaction until it posted. I called again once it posted, but the representative said they would transfer me to the appropriate departmentonly for the call to be disconnected. This happened again on XX/XX/year>, at XXXX XXXX, when a representative acknowledged the charge should not have been allowed and promised to help me file a dispute, only for that call to also be disconnected. 

This unauthorized charge caused my credit utilization to exceed 700 % on an account with a {$300.00} limit, resulting in a severe drop in my credit score. This has damaged my access to credit and financial stability, through no fault of my own. 

I am a low-income, XXXX consumer. I believe that Capital Ones decision to deny me a credit limit increase while allowing a massive, unauthorized charge raises serious concerns under federal consumer protection and anti-discrimination laws. Their failure to block this transaction, provide support, or protect my financial well-being has caused me emotional distress and significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WA

Complaint narrative:
Unauthorized Repayment Plan Change On or around XX/XX/XXXX, MOHELA unilaterally changed my repayment plan from the income-driven repayment ( XXXX ) plan I had originally enrolled in to the XXXX plan without my knowledge or consent. This change was only visible in the MOHELA message center, and I did not receive any email or physical notice. 


Autopay Failures Despite Multiple Attempts I submitted the autopay form three times in an effort to ensure timely payments. Each time, I received a notification from MOHELA stating " autopay removed. '' This was despite the fact that the same bank account successfully supports autopay for 4 out of my 12 loans. I confirmed that the account had sufficient funds. Despite hours-long phone calls with MOHELA ( often waiting over XXXX minutes ), I was instructed to just submit the form again, which failed repeatedly. 


Unrequested and Damaging Forbearance Placement MOHELA placed multiple loans into administrative forbearance without my consent, even though I specifically requested to remain in repayment so that my payments could count toward Public Service Loan Forgiveness ( PSLF ). I received messages stating Your forbearance has been approved ( e.g., dated XX/XX/XXXX and XX/XX/XXXX ) even though I never applied for forbearance. These actions disrupted my payment history and potentially jeopardized PSLF eligibility. 


Inaccurate and Unclear Repayment Schedules On XX/XX/XXXX, I received new repayment schedules that pushed some loans into repayment years into the future again, without my request or understanding. I was not given a clear or consistent explanation for these changes. 

Consequences : Due to MOHELAs gross negligence : I do not know how many payments Ive actually made or owe.

I am uncertain about which loans are in repayment versus forbearance.

I have no clear way to reinstate autopay, despite repeated attempts.

My PSLF progress has been compromised by non-consensual forbearance. 


I have suffered emotional distress, credit uncertainty, and financial disarray.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-05-23 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-23 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-23 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: FL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXXXXXX and XXXX for Improper Dispute Notation and Misleading Comments on Paid Account To Whom It May Concern, I am filing this complaint regarding the continued misreporting of a XXXX  XXXX XXXX credit card account ( ending in XXXX ) by XXXX  despite the account being paid on time and reflecting 100 % positive payment history, as verified in the attached documentation. 

Overview of the Issue : Account Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance : {$1300.00} Limit : {$3000.00} High Balance : {$4200.00} Last Payment : XX/XX/year> Status in XXXX  : Still marked In Dispute with comment CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Payment History in XXXX  : 100 % OK ( no late payments reported ) This dispute flag is inaccurate, misleading, and negatively impacts my creditworthiness by suggesting that there is unresolved conflict or derogatory data when there is none. 

Legal Violations : FCRA 15 U.S.C. 1681c-2 & 1681s-2 ( b ) : Failure to update or remove the dispute flag after account verification and payment violates the duty to ensure complete and accurate consumer information.

Continued inclusion of the " in dispute '' comment misrepresents the true status of the account.

TILA 15 U.S.C. 1601 et seq. : XXXX XXXX comments and XXXX XXXX XXXXXXXX failure to retract the dispute status misrepresent the consumers actual obligations, undermining informed and fair credit decisions.

GLBA 15 U.S.C. 6801 : By failing to maintain the privacy and accuracy of my financial records, XXXX is not upholding standards required to protect the confidentiality and integrity of consumer data.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I owed a debt with Citi Bank for a BestBuy card from around XXXX  For the amount of XXXX dollars. I received a 1099C form from the IRS for this debt. This item was taken off my credit report. However Citibank is now reporting as me still owing the debt when they are actively not trying to collect it. I would like to buy a house and this hurting my credit very badly. The balance should be updated to XXXX  as I do not owe the debt anymore and it's been cancelled. I need the account balance of this account updated to XXXX as it's no longer being actively sought for collection and has been cancelled. I have disputed this with every credit bureau.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have 2 overdraft fees $ XXXX, first one came in last week as a " recurring '' charge, I called the to have the overdraft removed to avoid the fees. One charge was cleared last week XX/XX/XXXX and another XX/XX/XXXX. Wells Fargo is charging the fee as a recurring charge, but that is incorrect, I made the payment via XXXX XXXX The issue is the bank reviews charges and at their discretion can approve or decline the transaction, which does not make sense when I specifically call to have transactions of any kind decline if there are not enough funds.

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 2025-05-23 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: IN

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-05-23 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: FL

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

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting multiple accounts with past late payment marks, even though the accounts now show {$0.00} past due and are either closed or resolved. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX ). The accounts have all been brought current or paid off, yet Experian continues to reflect them as derogatory. This outdated and misleading reporting significantly impacts my creditworthiness, and it violates the requirement under 15 U.S.C. 1681e ( b ) to report only accurate and up-to-date information. 

More concerning is the XXXX account from XXXX, which has been closed for years and still remains marked as delinquent. This raises red flags about Experians reinvestigation protocols and whether appropriate steps are being taken to ensure compliance with the Fair Credit Reporting Act. Consumers should not be penalized for resolved accounts, especially when the alleged lateness no longer has any financial impact or balance due. This may also be reflective of improper data handling or exposure to data discrepancies stemming from security lapses.

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 2025-05-23 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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