vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
I submitted a Total and Permanent Disability ( TPD ) application in XX/XX/XXXX, which should have paused my loan payments while being processed. Instead, my loans became delinquent without warning, and I was never notified by mail, email, or phone. I only learned I was over XXXX days past due after my college reached out in XX/XX/XXXX. 

I recently regained access to my online loan portal and saw messages were only posted there. I never received any outside communication. I contacted MOHELA and asked why no forbearance was applied and how they would resolve the credit damage. They ignored those questions and replied with a generic message about repayment plans.

Im asking for accountability for this servicing failure and for help correcting the harm it caused to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XXXX  XXXX XXXX reporting a fraudulent American Express account with a balance exceeding {$10000.00} associated with a XXXX XXXX XXXX XXXX XXXX XXXX. It has been disputed with Experian and was instructed to notify you prior to contacting American Express and police. 
American Express was opened on XX/XX/2023 with an {$11000.00} credit limit and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
incorrect information and fraud is affecting my employment and renting history.

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 2025-07-01 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Subject : Complaint Violation of Regulation XXXX in Handling Non-Receipt Dispute To Whom It May Concern, I am reporting Chime Financial , Inc. for a violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ) due to their mishandling of a dispute claim ( Claim ID : XXXX ) involving a {$49.00} purchase from XXXX XXXX XXXX 

The product was not delivered. XXXX XXXX shows the item was returned for unpaid postage and marked WILL NOT BE DELIVERED. The seller confirmed this and offered to issue a refund or reship the item. Despite this, Chime closed the claim and declared no error occurred, taking no action to verify the issue with XXXX or the merchant. 

Regulation XXXX Violations : Under XXXX, financial institutions must : Investigate errors within XXXX business days Provisionally credit the account if more time is needed Report results within XXXX business days and correct the error within XXXX day if found Chime failed to comply with each of these requirements. 

Included are : Chimes denial communication XXXX tracking showing failed delivery XXXX offer of refund/reshipment XXXX  complaint evidence Please investigate Chimes procedures and whether they align with federal law. I am prepared to supply any further documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
I am a victim of identity theft, upon checking my credit report from your company I saw that theres a fraudulent inquiries that I dont recognize and didnt authorize to have open.The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Reports and proof of my identity. A copy of section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. NetCredit XXXX XXXX XXXX  XXXX XXXX is reporting an installment loan that I did not authorize, apply for, or benefit from. I first noticed the account on my credit report around XX/XX/year>. I immediately disputed it with the credit bureaus and requested validation from the company, including a signed contract or application. They did not provide proof of my identity or authorization. 

This account is fraudulent and is negatively impacting my credit. 

I am attaching the following supporting documents : FTC Identity Theft Report Police Report ( XXXX Police Department ) I am requesting the permanent removal of this account under the Fair Credit Reporting Act ( FCRA 605B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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

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 2025-07-01 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I submitted a debt validation requests to Portfolio Recovery Associates via certified mail for 2 collections, disputing the validity of the alleged debt. They never provided any validation as required under FDCPA 809 ( b ). Despite failing to respond to my request, Portfolio Recovery continues to report this account to the credit bureaus and certify the debt as accurate. This violates the Fair Debt Collection Practices Act ( FDCPA ) because they must cease collection activities, including credit reporting, until proper validation is provided. It also violates the Fair Credit Reporting Act ( FCRA ) 623 because they are reporting information they have not verified. I am requesting the immediate deletion of this account from all credit bureaus and that Portfolio Recovery cease all collection activities on this account. 

CFPB COMPLAINT ALSO FILES AGAINST THE CREDIT BUREAUS FOR NOT INVESTIGATING AND REQUIRING ACTUAL PROOF FROM COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX was done on XXXX XXXX card, back in XX/XX/year> and haven't been able to get this problem resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account was fraudulently opened by a relative who is now deceased. I have repeatedly made this clear to Capital One Auto Finance, submitting detailed written notices and an FTC Identity Theft Report/Affidavit. Despite this, Capital One has persistently ignored or mishandled the situation in ways that violate numerous consumer protection laws. 

Capital One has engaged in a pattern of reckless and abusive practices, including : Reopening and closing the account multiple times, adding more than {$14000.00} in capitalized amounts that artificially inflate the alleged debt. 

Reporting the account as charged off, then reopened, then charged off again, repeatedly altering the status and balance, creating an erratic and severely damaging credit history. 

Now claiming late payments on an account that was already charged off, resulting in multiple layers of harm for a debt that was fraudulent to begin with. 

Sending generic or adverse responses to my attempts to resolve this, demonstrating either willful disregard or gross incompetence. 

These actions have had a direct and profound negative impact on my credit profile, affecting my ability to secure loans, educational funding, and other critical financial products necessary for my future. 

Capital One XXXX XXXX conduct appears to violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and failure to correct or delete inaccurate, incomplete, or unverifiable information. 

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : Repeated improper recalculations and failure to resolve billing disputes. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Attempting to collect on a fraudulent debt that was never valid and continuing after receiving an FTC identity theft affidavit. 

FTC Act, 15 U.S.C. 45, and XXXX XXXX XXXX XXXX 12 U.S.C. 5531 : Engaging in unfair, deceptive, and abusive acts or practices ( XXXX  ) by manipulating account statuses and balances to my detriment. 

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : By willfully harming my ability to access legitimate credit opportunities through gross misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been requesting a payoff letter from MACU for the past XXXX  days, with no response to date. This delay is in clear violation of Utah XXXX XXXX, which requires a payoff statement to be provided within XXXX business days of request. 

Because of this failure, I have been forced to reschedule my closing XXXX times, incurring both financial and logistical harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal 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 2025-07-01 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXXXXXX 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 non-monetary relief