vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
My accounts 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 to be removed/updated. 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. 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!

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 2025-08-13 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: AZ

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 2025-08-13 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am writing to respectfully request a goodwill adjustment regarding five late payments that were reported on my Capital One account ending in XXXX. 

These late marks occurred during an extremely difficult time in my life. During that period, I was serving as the primary caregiver for my father, who was facing serious health issues. I was at the hospital with him nearly every day, managing his care and navigating a series of emotionally and physically demanding circumstances. These responsibilities, along with the stress and urgency of the situation, caused an unexpected disruption in my financial routines, leading to delayed payments that I deeply regret. 

I want to make it clear that this situation was not a reflection of negligence or disregard for my obligations. I have always made it a priority to maintain a responsible payment history, and this was an unfortunate exception brought on by temporary but overwhelming personal hardship. I have documentation available, including hospital records, that verify my father 's condition and the time I spent supporting him during this crisis. 

Since then, I have made every effort to remain current on my payments and reestablish a strong relationship with Capital One. I respectfully ask that you consider removing these five late payment marks as a goodwill gesture, reflecting the full context of the situation and my otherwise responsible credit history. 

I am committed to maintaining a positive relationship with Capital One moving forward, and I deeply appreciate your understanding and consideration during what was a very challenging time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am an XXXX XXXX student in the United States pursuing my XXXX XXXX. I opened a Chase College Checking account and a Chase Savings account to receive funds from my family in XXXX ( about {$1500.00} {$2000.00} per month for tuition and living expenses ) and to manage my day-to-day expenses. 

Earlier this year, an acquaintance ( a friend of a friend ) accessed my mobile phone without my permission, opened my Chase Mobile app, and made multiple unauthorized XXXX transfers from my account to his own. These transactions were not authorized by me. In fact, this same person had previously owed me money and had repaid it, but later, I discovered three new transactions sending money back to him which I did not approve. 

As soon as I noticed the unauthorized transfers, I contacted Chase customer service to report them and open a dispute. Chase initially reviewed the matter but later canceled the dispute, telling me to either contact the individual directly or file a police report. I contacted the individual, and he admitted to taking my phone and using my account for his own personal purposes. He agreed to return the funds, but before the matter could be resolved, I received an email from Chase stating that my accounts were closed due to Suspicious Fraud Activity. 

I am not requesting the return of any funds or dispute resolution. My only request is that Chase allow me to open a new account or reinstate my ability to bank with them so I can continue to pay tuition and manage my living expenses in the United States. I am prepared to fully cooperate with any investigation, provide evidence, and work with law enforcement. I was the victim of this fraud, not a participant, and the closure has left me without critical banking access. 

I respectfully request that the CFPB assist in having Chase reconsider my case so I can maintain a U.S. bank account for my studies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
Company Name : MOHELA Missouri Higher Education Loan Authority Product : Federal Student Loan Servicing Issue : Failure to process and release borrower refund in accordance with federal servicing standards Complaint Narrative : I am owed a refund in the amount of {$13000.00} from MOHELA. On XXXX XXXX XXXX, MOHELA confirmed that this refund was due to me. However, as of todays date, the refund has not been issued. 

I contacted the U.S. Department of the Treasury Bureau of the Fiscal Service, who confirmed they have no record of this refund from MOHELA. Treasury can not process or issue the check because MOHELA has not released or approved the payment. 

I have made multiple attempts to obtain a definitive release date from MOHELA, but I have received inconsistent and contradictory responses. The delay now spans well beyond what is reasonable or permissible under federal student loan servicing requirements, including but not limited to : 20 U.S.C. 1082 Duties of the Secretary and agents in loan administration 34 C.F.R. 682.208 Timely refund processing obligations for loan servicers 34 C.F.R. 685.202 Servicer duties for Direct Loans, including prompt overpayment refunds MOHELA is a Department of Education contractor and is obligated to handle refunds promptly and respond accurately to borrower inquiries. This delay constitutes a failure to perform in accordance with federal servicing standards.

Resolution Requested : I am requesting that MOHELA : 1. Provide a specific date and time frame for when the refund will be released to the U.S. Treasury for disbursement.

2. Provide written confirmation when the release occurs.

3. Explain the cause of the extended delay in processing this refund.

If this issue is not resolved promptly, I will escalate to my state Attorney General and congressional representatives for further review. 

Amount in Dispute : {$13000.00}

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-08-13 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: MD

Complaint narrative:
i am XXXX XXXX the consumer, submitting this complaint to the Consumer Financial Protection Bureau to protect my consumer rights from discrimination, violation and unethical practices which has occured. 
I have recently obtained a copy of my credit reports and noticed a charge -off reporting on My consumer reports with the XXXX major credit reporting agencies ( experian-XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX ), equifax ( XXXX XXXX XXXX XXXX XXXX ), and transunion ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX  ). According to the FCRA as well as other state and federal laws and the IRS a Charge- off is a Certificate of indebtedness and therefore considered income which can NOT report to my credit report I was also violated by NOT being sent my copy of the 1099 instrument that was used to charge off the debt so that I my properly file my taxes. As well as NOT be notified of my right to Opt Out of this account reporting to my consumer report according to 15 USC 6802, and the Privacy Act of 1974. Please remove this item from my credit reports with utmost urgency

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I deposited a personal check which should have gone into my account the placed a hold the the check for 7 days with no explanation at to why. I asked if they could release half the funds they could not they stated they didn't know why and that it could not be released until XX/XX/XXXX. This check came from a family member who had plenty of funds in the bank so that was not the reason capital one states your check will go into the same day or after XXXX " business days '' that is false. 

Their entire 360 checking is based on a LIE. a regular bank would have processed that sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a XXXX XXXX letter according to 1022.142 ( b ) ( 6 ).

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Called from Unknown phone number ( XXXX ) XXXX left this voicemail regarding debt, not specifying what the debt is. 
This is XXXX and I have an important message from United collection Bureau Inc. this is a call from a debt collector this is an attempt to collect a debt and any information obtained will be used for that purpose please call XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint against Experian because my credit report contains multiple accounts that I do not recognize or believe to be mine. I submitted disputes with proof of my identity and requested verification of each account, but Experian has allowed these accounts to remain without providing proof of their validity. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is damaging my credit reputation.

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 2025-08-13 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I disputed an alleged debt with XXXX XXXX XXXX in writing via certified mail. They received my dispute but never provided validation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Instead, XXXX XXXX XXXX placed the account with Credit Control , LLC, who began collection efforts and sent me a letter dated XX/XX/year>, without prior validation. 

This conduct violates : FDCPA : Continued collection activity without validation. 

FCRA : Furnishing/reporting inaccurate information after a dispute. 

I am requesting the immediate and permanent deletion of the account from all credit bureaus, cessation of all collection activity, and confirmation that the account will not be sold or transferred. 

I am seeking {$15000.00} in damages for willful and negligent violations, and I am filing a lawsuit in XXXX XXXX XXXXXXXX. I have supporting evidence and will provide it in 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 2025-08-12 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: NC

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate and remove unauthorized hard inquiries and fraudulent collection accounts from my credit report, despite my repeated disputes under 15 U.S.C. 1681c-2 and 1681i of the FCRA.This negligence has damaged my creditworthiness and may indicate systemic non-compliance with the FCRA. I demand immediate deletion of these fraudulent items and a full investigation into Experians dispute process. Police report, FTC report is attached

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 2025-08-13 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: NY

Complaint narrative:
My accounts 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

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 2025-08-13 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report. 

The original signed contract or application bearing my signature. 
Any documentation used to verify the accounts validity. 
The name and address of the original creditor. 
A full explanation of how the account was verified.

Company response to consumer: Closed with explanation