vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
XX/XX/XXXX : MOHELA sends letter indicating SAVE plan has been stayed and my account is in an administrative forbearance. Letter states interest rate is set at XXXX and no interest will accumulate on the account. 

XX/XX/XXXX : MOHELA sends XXXX different repayment schedules ( dated XXXX, XX/XX/XXXX, and XX/XX/XXXX ). In each letter, my balance is {$86000.00}. The payment schedule is supposed to start XX/XX/XXXX. Per each letter, {$8.00} in interest is " estimated to accrue from the date of this notice through the day before the first Payment Start Date. '' XX/XX/XXXX : MOHELA sends a letter indicating that my loans are in forbearance but still accumulating interest. As of the letter, {$8.00} has accrued in unpaid interest since XX/XX/XXXX despite the fact that the payment start date is still listed as XX/XX/XXXX. 

XX/XX/XXXX : MOHELA sends a letter indicating my loans are in an administrative forbearance. Letter states interest rate is set at XXXX and no interest will accumulate on the account. 

XX/XX/XXXX : MOHELA sends a letter indicating that my loans are in forbearance but still accumulating interest. As of the letter, {$970.00} has accrued in unpaid interest since XX/XX/XXXX. 

XX/XX/XXXX : I send correspondence to MOHELA asking why I am accumulating interest if it is set tXXXX XXXX XXXX. They say I am in forbearance and not accumulating interest, but any interest that accumulated before that is still applied. 

XX/XX/XXXX : I contact MOHELA again and ask why I accumulated interest on my loan between XX/XX/XXXX and XX/XX/XXXX if I was at XXXX percent interest. I also point out that my account is set to " return to remediation '' with a XXXX XXXX interest rate on XXXX screen, but XXXX XXXX  on another screen. They again say I am in forbearance and not accumulating interest, but any interest that accumulated before that is still applied. 

XX/XX/XXXX : I contact MOHELA again and ask why I accumulated interest on my loan between XX/XX/XXXX and XX/XX/XXXX if I was in forbearance and at XXXX percent interest. I add that interest is starting again on XX/XX/XXXX and that the accumulated interest that was added during forbearance will affect how the interest is capitalized. I receive no response as of XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CreditWise from Capital one says I have a deliquient account but doesnt show from who. Nor is it accurate. When I pull my actual credit report it doesnt show on any actual crediter. XXXX XXXX XXXX XXXX 
I dispute online with all three but all three say there isnt a Deliquency and no change. 
When I address it to CreditWise they never change or respond. 
The same thing is happening with XXXX  Score used by XXXX XXXX XXXX. The XXXX say I have a delinquency and yet cant show it. Nor is it real. These third party sights have to update or refresh their information but never respond when I attempt to contact. 

Its coming to be a Defamation Problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Fraudulent Hard Credit Inquiries Identity Theft Dear CFPB, I am filing this complaint to formally report fraudulent hard credit inquiries appearing on my TransUnion credit report, which I did not authorize, and which are the result of identity theft. I have already filed an identity theft police report ( attached ) regarding this matter. 

The unauthorized inquiries are as follows ( all from my TransUnion credit file ) : XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXXl ( Finance ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> XXXX XXXX  XXXX Bank ) XX/XX/year> XXXX XXXX  XXXX Bank ) XX/XX/year> I have no prior relationship with these companies, did not apply for credit with them, and did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a credit reporting agency is prohibited from including inquiries on a consumers credit report unless they are initiated by the consumer or fall under specific permissible purposes. These inquiries do not meet those criteria and therefore must be removed. 

I have already submitted disputes directly to TransUnion, along with my identity theft police report and a sworn statement, but the inquiries have not been removed. This inaction violates my rights under the FCRA and XXXX Identity Theft Red Flags Rule.

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 2025-08-09 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: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-09 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: NJ

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX to Experian, TransUnion, and Equifax, and I believe that this entry is inaccurate. 

The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX  regarding this account should not be included in my consumer credit report. 

U.S. Code 1681a ( 2 ) ( A ) i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 
Request for Action : If XXXX XXXX  can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payment ( s ) in Question : XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Thank you for your prompt attention to this matter. I look forward to your response and information that the disputed late payment entry has been removed.

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 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 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: AR

Complaint narrative:
After reviewing a copy of my credit report, there are inquiries on my report that I do not recognize. I have already tried to fix this issue with the company but it has not been resolved. Here are the accounts listed below- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-09 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Unknown how my information was compromised, but i have moved multiple times due to Government transfer. 
I believe it was compromised at some point having file and change IDs and vehicle registrations etc over and over. And forward mail. 

The incident happened during an unknown date and time and was not discovered until several years later when XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, contacted me numerous times. At first I believed it to be fraudulent or a text scam, then I received a detailed email. I was told the issue was resolved and was given a reference number XXXX. Then I again started receiving harassing text and calls from a creditor : XXXX XXXX XXXX, XXXX is a Debt Collector : * Your Outstanding Balance : {$1100.00}. XXXX XXXX XXXX XXXX XXXX : We're offering a resolution option for a limited time. Pay {$780.00} by XX/XX/XXXX and fully resolve your debt. Call XXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reply STOP to stop '' I never filed a police report because so much time went by and I had no suspect or lead to provide other than I was receiving creditor text. I had a credit card opened In my name in XXXX which I had to notify the XXXX credit bureaus and shut down, the get an ID theft lock. The card was in my name without middle initial and mailed to my actual address, so again no information on a subject. 

I filed disputes with creditors and contacted XXXX XXXX XXXX numerous times submitted numerous documents showing I did not live at the address they had on file, and that I have never been an XXXX XXXX XXXX  customer providing various records from my utilities and telecom providers. 

XXXX dispute Request Confirmation Number [ XXXX ] Now I received a XXXX point hit to my excellent credit score, and had to file a new dispute with another creditor for the same XXXX XXXX XXXX  debt : The dispute for the account with RADIUS GLOBAL SOLUTIONS that starts with XXXX has been received and should be completed by 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 non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I contacted Capital One to refund my overpayment of approximately {$24000.00}. They said they would have to verify and get back to me in 7-10 days. No refund was dent. I contacted them again on XX/XX/XXXX and they said I had sent another payment in error and they needed to verify that even though it posted. I called back again on XX/XX/XXXX and they told me it would be refunded on XX/XX/year> It is still showing a negative balance in my account. 
I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am filing a complaint against Chase Bank regarding the mishandling of my checking account and the loss of Social Security XXXX income due to repeated overdrafts. 

Since XX/XX/year>, Chase has allowed debit card transactions to go through even when my account had insufficient funds, despite my having XXXX the XXXX XXXX XXXX feature. This has resulted in overdraft fees and negative balances every single month. When my XXXX XXXX deposit arrives, it is immediately consumed to cover the deficit, leaving me with significantly less money to live on. 

I have contacted Chase multiple times since XXXX of XXXX to dispute the issue and verify that the debit card coverage feature is off, and each time I am reassured it is off. Yet the feature continues to reactivate without my consent. After reviewing over 12 months of statements, I have calculated that nearly {$3000.00} of my XXXX income was lost this way. 

This has caused me serious financial hardship and emotional distress. I am requesting that Chase : - Reimburse the full amount lost- Explain why the coverage keeps reactivating - Ensure this does not happen again Please investigate and help resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 explanation