vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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. XXXX 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! Delete 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding several hard inquiries on my Equifax credit report that I do not recognize or remember authorizing. These are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not submit any credit applications to these companies, nor did I give permission for them to pull my credit. I am requesting a reinvestigation and the removal of these inquiries from my credit report. 

These inquiries are negatively affecting my credit, and under the Fair Credit Reporting Act ( FCRA ), they should be removed if not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-31 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: OK

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 2025-07-31 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: OK

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 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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year> most current robocalls call from XXXX ( XXXX ) XXXX, on XX/XX/year> received robocall from XXXX ( XXXX ) XXXX And every day before that. A complete list is available upon request going back approx every day for approximately last 2 weeks. On XX/XX/year> I called this number back and found it was associated with company called Portfolio recovery services and company previously fined million from the CFPB. I inquired and determined I lack knowledge of any accounts they claim alleged debt and informed agent at that number to cease and desist from robocalls to my phone daily from some. Let this notice become written notice to portfolio that I wish all communication from this number to cease and desist any electronic communications robocalls and if any future live telephone robocalls. Im m seeking that the CFPB COLLECT SEEK STATUTORY and punitive damages upon cease and desist failure to stop harassment and annoying daily robocalls and apology for the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-31 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
Summary of the Complaint : I am filing this complaint regarding the inaccurate and unauthorized reporting of an Apple Card issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX under account number XXXX. 

This account was charged off and closed as of XX/XX/XXXX, with a reported balance of {$1700.00}, and marked as negative across all three credit bureaus. However, I do not recognize this account, nor did I authorize or open it, and it has been previously disputed without appropriate resolution. 

Key Account Details : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported Balance : {$1700.00} Reported Status : XXXX  : Negative Charge-Off XXXX XXXX Negative Resolved Dispute ( Still Reporting Negative ) TransUnion : Negative Resolved by Grantor Last Activity Dates : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XX/XX/XXXX Payment History : Multiple months reported as 120 days late / charge-off across XXXX XXXX XXXX XXXX show extended delinquencies even though the account is closed and disputed Legal Violations : FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy. 

Reporting a charge-off on an account that does not belong to me is a clear violation. 

FCRA 15 U.S.C. 1681i ( a ) : Upon dispute, CRAs must investigate and remove inaccurate, unverifiable accounts within 30 days. 

Despite previous disputes, the inaccurate charge-off remains, indicating a failure to reinvestigate properly. 

FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishers ( XXXX XXXX XXXX are prohibited from reporting inaccurate information they know or have reasonable cause to believe is inaccurate. 

FCRA 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice from a CRA, the furnisher must investigate and correct or delete the inaccurate information. 

The continued reporting of a disputed, unauthorized account suggests noncompliance. 

Consumer Harm : This erroneous charge-off reporting has significantly damaged my credit profile, impairing my ability to obtain credit, housing, and fair interest rates. It is unjust, given that I have never authorized, opened, or benefited from this account.

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 2025-07-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-31 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: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following items ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days. Creditor name : XXXX XXXX XXXX According to FCRA Section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding the unjust closure and mishandling of my account. Summary of Complaint : 1. Unjust Account Closure Without Cause : Capital One suddenly blocked access to my checking account without any valid reason, which prevented me from paying credit card bills at other banks on time. Their internal policy forced me to visit a physical branch in person, severely disrupting my financial planning and obligations.

2. No Suspicious or Unauthorized Activity : All transactions in my accounts were initiated by myself, transferring funds between my own accounts under the same legal name at other U.S. financial institutions. No third-party involvement or suspicious activity occurred.

3. Conflicting Information Regarding ITIN Accounts : When I contacted Capital One customer service, they claimed I can not open an account online using an ITIN and must visit a branch for identity verific
ation. However, Capital Ones own online system allows immediate account opening with an ITIN, which I used to successfully open my accounts. Penalizing me after the fact for using their system correctly is unfair, especially since I was abroad at the time caring for my elderly parents and unable to travel to the U.S. on short notice. Despite explaining my situation, Capital One proceeded to close my account via email.

4. Withholding of Funds and Interest : My savings account contained funds, yet Capital One did not credit any interest for the entire month of May. Furthermore, they have not allowed me to transfer the funds to my linked external account, and my money remains inaccessible, with no resolution in sight. This situation has caused severe financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
Urgent Demand for Full Debt Validation and Removal of Unverified and Inaccurate Items Dear Experian Dispute Department, Despite multiple previous disputes, Experian continues to negligently report derogatory, inaccurate, and unverified information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I demand immediate verification and documentation ( signed contracts and full validation ) for the following accounts, or their prompt removal within 30 days : Accounts requiring immediate validation or removal : 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  Unauthorized or outdated hard inquiries ( must be removed immediately ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Notice of Intent : This serves as formal notice that failure to fully validate each account with documented proof from original creditors within 30 days will result in immediate complaints to the FTC, CFPB, State Attorney General of North Carolina, and potential legal action against Experian and the data furnishers for violation of my rights under the FCRA.

Immediate correction of these items is mandatory, not optional. Your previous generic verification without documentation is insufficient and non-compliant.

Please provide written confirmation once action is complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 2025-07-31 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:
I am the victim of identity theft. I have submitted a formal dispute along with an Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my affidavit, formal dispute letter, and government-issued ID, SSN, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I am the victim of identity theft. I have submitted a formal dispute along with an Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my affidavit, formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
On XX/XX/XXXX of XXXX I was told that I had a past due balance as well as a current balance that needed to be paid even with the ongoing litigation surrounding student loans. I was told that it wouldnt apply to my XXXX qualifying payments but the payment for a total of XXXX had to be paid. I made the payment and was discussing what happened with those who also have experience with student loans and they encouraged me to look farther into it. 

On XX/XX/XXXX I called MOHELA back and was able to talk with a different person who informed me that the original person I talked to provided false information and that the payments I made were not needed due to my account going into forbearance, and the refund process was supposed to be started. I called at least once every two weeks to try to get a status update on my refund and to make sure everything was done correctly. I was told each time that everything looked good in their end but I had to wait 30 to 90 days for the refund to show in my personal account due to the process it has to go through. I waited the 90 days and when I never received the refund I called MOHELA once again and was told that they had not followed the correct protocol and that the process essentially had to be started over and that was on XX/XX/XXXX. 
Since XXXX I have reached out to MOHELA asking for status updates and to make sure that the process was followed correctly and I get the same general response that it was processed and that I need to allow 30 to 90 business days to receive my money. I have reached out to various departments such as the department of education and student aid to try to figure out the status of my refund but no one is able to give me an answer and they all refer me back to my loan servicer. I sent MOHELA a message on XX/XX/XXXX asking for an update or status and they have yet to get back to me as of today XX/XX/XXXX. Today is also the XXXX business day since the second time they have processed my refund and I have not received it.

Company response to consumer: Untimely response