vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX collection account associated with XXXX XXXX XXXX XXXX XXXX This account is inaccurate, unlawfully furnished, and must be permanently deleted under the Fair Credit Reporting Act ( FCRA ). 

LEGAL GROUNDS FOR DELETION 1. FCRA 605B Identity Theft / Unlawful Furnishing Block I am submitting a police report ( # XXXX ) filed with the XXXX XXXX XXXXXXXX Police Department documenting that this alleged debt was unlawfully reported and furnished in violation of state and federal law. Under FCRA 605B, the CRA must block and delete this account within XXXX business days. 

2. Florida Statute XXXX ( XXXX ) ( a ) XXXX Notice Violation The landlord ( XXXX XXXX ) never provided the mandatory XXXX written notice required before assessing ANY claim, damages, or balance. Instead, they created a ledger XXXX days after move-out, which is illegal. Any debt created in violation of XXXX is invalid and uncollectible. 

3. XXXX XXXX XXXX ( XXXX ) ( b ) XXXX Dispute Period Violated I was never provided the required XXXX window to object to charges before the landlord transferred the alleged debt to XXXX. This makes the debt void. 

4. False DOFD FCRA 623 ( a ) ( 5 ) Violation NCS and Portofino fabricated a Date of First Delinquency of XX/XX/2025, even though the unit was returned on XX/XX/2025 and no notice was ever provided. Reporting a false DOFD is a direct violation of FCRA 623 ( a ) ( 5 ).

5. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Information Known to Be False The landlord and NCS knowingly furnished false, incomplete, and misleading information. This is illegal under federal law.

6. Addendum Is Not Valid The early-termination addendum becomes void when the landlord violates statutory notice requirements. A landlord can not selectively enforce an addendum while simultaneously violating mandatory state laws.

7. Police Report + State Agencies Involved This issue is under investigation by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( FDACS ) Case # XXXX ( Portofino Landings ) Case # XXXX ( National Credit Systems ) Florida Attorney General Active Complaint Consumer Financial Protection Bureau XXXX CFPB XXXX Filed This confirms the debt is unlawfully furnished and must be deleted immediately.

Requested Resolution Under FCRA 605B, FCRA 611, and FCRA 623, I request : Immediate deletion of the NCS collection Permanent blocking of any future attempts to reinsert Written confirmation once removed Failure to delete will constitute willful non-compliance under FCRA 616 and expose the CRA to federal liability. 

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I setup auto pay on my Capital One credit card. The routing # was correct & it automatically picked up XXXX XXXX, the acct was classified as savings, I entered the acct # & then searched the correct acct # ( copied from online statement ) on my browser by pressing Ctrl-F to reconfirm a match. 

The ACH payment was returned with the error 'unable to locate acct ' & I was charged late fees & interest. But the payment acct was active & funded to cover the payment. As I was traveling abroad ( foreign transactions on my card ), my husband paid the total due from his bank acct & cancelled autopay to avoid a recurrence. 

On the next due date we are both abroad & made another bill payment immediately upon return. Again I was charged interest for being a few days late although the delay was to avoid recurring ACH issues. 

On calling customer service & escalating the issue, they credited the late fees but not the interest despite explaining the issue with their payment processor. I seek redressal having exhausted my options since their branches don't service credit cards. 

I am a retired educator & my husband a soon-to-retire govt employee, we can't afford to lose a single cent that we have saved up for our old age. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts recently reported by XXXX under my name. While I have had a legitimate account with XXXX in the past, the new accounts and the purchases associated with them are not mine. I did not open these new accounts, authorize any of the transactions, or approve any additional lines of credit. 

XXXX has reported these fraudulent accounts to the credit bureaus, including multiple late payments that I did not incur. These incorrect negative marks have already caused significant harm to my credit score. 

I have attempted to resolve this issue directly with XXXX ; however, the matter remains unresolved. Therefore, I am requesting the CFPBs assistance in having Affirm : Conduct a full investigation into the fraudulent accounts ; Remove the unauthorized accounts and all related negative information from my credit reports ; Cease reporting any inaccurate information while the dispute is under review; and Provide written confirmation once the investigation has been completed. 

Attached are copies of supporting documentation, including : Identification and proof of address Credit report excerpts showing the fraudulent accounts Any correspondence exchanged with XXXX I respectfully request your urgent assistance in correcting these inaccurate and damaging credit entries. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts recently reported by XXXX under my name. While I have had a legitimate account with XXXX in the past, the new accounts and the purchases associated with them are not mine. I did not open these new accounts, authorize any of the transactions, or approve any additional lines of credit. 

XXXX has reported these fraudulent accounts to the credit bureaus, including multiple late payments that I did not incur. These incorrect negative marks have already caused significant harm to my credit score. 

I have attempted to resolve this issue directly with XXXX ; however, the matter remains unresolved. Therefore, I am requesting the CFPBs assistance in having Affirm : Conduct a full investigation into the fraudulent accounts ; Remove the unauthorized accounts and all related negative information from my credit reports ; Cease reporting any inaccurate information while the dispute is under review; and Provide written confirmation once the investigation has been completed. 

Attached are copies of supporting documentation, including : Identification and proof of address Credit report excerpts showing the fraudulent accounts Any correspondence exchanged with XXXX I respectfully request your urgent assistance in correcting these inaccurate and damaging credit entries. 

Thank you for your time and attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-26 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques
State: CA

Complaint narrative:
Hello, I writing this complaint against the collection company Hunt & Enriquez. I have a settlement agreement on a credit card with XXXX XXXX. Im XXXX. My entire spine collapsed while try yo pay me bills. I was represented by the XXXX lawfirm. The original balance of the debt was {$6500.00}. My attorneys at XXXX got the debt reduced to around {$5300.00}. I pay {$220.00} a month. My payment plan started on XX/XX/year>. I have always paid om time. I told the debt collectors. That I was in an automobile accident on XXXX. The checking account used to make my payments was compromised. One of the payments came back on XX/XX/year>. My attormey at the XXXX firms assistant XXXX XXXX told me to contact Me. XXXX XXXX. I received a call from XXXX XXXX and have explained. My situation. I authorized on a recorded call on XX/XX/year> with XXXX XXXX agreed my payment of {$440.00} to come out of my checking account on XX/XX/year>. They purposely out the check authorization ahead if time on XX/XX/year> to try to get me illegally on a default of my payment plan. I agreed for the check to come out on XX/XX/year>. This collection company is fraudulent. Please listen to the recorded call on XX/XX/year>. I had with XXXX XXXX. This company has fraudulent collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am upset to see unauthorized inquiries still showing on my credit report even after checking again today. They did not disappear even when I refreshed, and I urgently need the documents I submitted to be carefully reviewed so I can finally stop being worried about this situation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 XXXX 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
MOHELA reported XXXX, XXXX, XXXX, and XXXX late payments on XXXX of my student loan accounts, which appeared on my credit report in XXXX. These late marks were not caused by borrower negligence. They were the direct result of MOHELAs platform migration and repeated system access failures that prevented me from logging into my account for several months. 

During MOHELAs system transition, there were XXXX nearly identical login portals. The portal I had always used repeatedly stated that my account could not be found or that my information did not match. I attempted to log in multiple times over several months, but the system consistently rejected my login attempts and would not allow me to view billing statements, due dates, or make payments. 

Because the system locked me out for an extended period, the delinquency aged into XXXX  days. This timeline corresponds exactly to the months during MOHELAs platform transition when I was unable to access my account at all. I had no ability to make payments despite good-faith attempts to log in and pay. 

I eventually discovered that I could access my account only through a separate Pay My Bill link that bypassed the broken login portal. Even then, I had to reset my password several times and navigate verification issues before payments would process. By the time I finally regained access, MOHELA had already reported the multi-month derogatory late marks. 

These late payments were caused entirely by MOHELAs system access failures during their platform migration, not by any unwillingness or inability on my part to pay. I acted in good faith throughout the entire period when the system would not allow me to access my account. 

I have now submitted a general forbearance request to bring my account current and have enabled autopay to prevent future issues. I am requesting that MOHELA correct the inaccurate and harmful credit reporting caused by their system migration failures and remove the late marks from all three credit bureaus. 

The inaccurate reporting lowered my credit score by XXXX points and has caused significant financial harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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. Accounts needs to be removed from report.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue Type : Bank account or service Incorrect balance / unprofessional and disrespectful treatment Complaint : I am filing a formal complaint about a serious account error at Bank of America and the disrespectful treatment I received from a bank representative. 

Initially, my account had {$3000.00}. I withdrew {$2500.00}, leaving what should have been a {$500.00} balance. However, an additional {$2500.00} was mistakenly added by the bank, making it appear as if I had {$5500.00}. Believing it was mine, I used the funds over several days. Later, the bank reversed this and placed my account into a negative balance of - {$5000.00}. 

When I contacted the bank, the representative was extremely rude. They said things like, Why did you spend money that wasnt yours? You must pay this back in full immediately. No installments. This manner was humiliating and unprofessional. I tried to explain that I needed an installment plan to pay off any negative balance caused by the banks error, but they refused to help and treated me with disrespect. 

Additional Request : Today, I received an {$860.00} deposit from XXXX, which the bank immediately took to cover the negative balance. I urgently need that money returned because it is for my essential needs. I also request that the bank provide a reasonable payment plan so I can pay off any balance in installments without being left unable to cover my daily expenses. 

I am asking CFPB to ensure the bank addresses this fairly and returns the funds I need for living expenses while allowing a reasonable installment plan. 

Name : XXXX XXXX Phone : XXXX State : California

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am filing this complaint because Fizz has not provided any clear information about what options exist for customers who fall behind or can not make a payment. I am currently unable to make my upcoming payment, and before reaching out to them directly, I looked for information on their website and app. There is no clear guidance about hardship options, extensions, or payment plans.

What Happened : I owe a payment to Fizz, but due to financial hardship, I can not pay the full amount right now. I attempted to find information about alternative arrangements, but Fizz does not make it clear whether they offer payment plans, extensions, or hardship accommodations. 

The lack of transparency leaves customers unsure of what to do when they have temporary financial difficulty. Before I contact the company, I would like to understand my rights and whether Fizz is required to offer or disclose any alternative repayment options.

Why This Is a Problem : Fizz does not clearly disclose whether payment plans or hardship programs exist.

Customers facing financial difficulty do not have guidance on how to handle a missed payment.

This lack of transparency causes unnecessary stress and may put consumers at risk of negative consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: ID

Complaint narrative:
In the fall of XXXX I applied to have a new idr to get out of the forced forbearance due to save. I was never notified that applications were not being processed I tried reaching out many time to no success. I was finally able to get a hold of someone after XXXX XXXX when I was informed that I had to resubmit everything. Then in XXXX of XXXX when I hit my XXXX years in working for the XXXX XXXX XXXX XXXX I qualified for pslf. I filled all the paper work only to be told that I have to wait another XXXX months of paying because of the forced forbearance that I tried to get out of a year earlier. So now I dont qualify for my pslf until XX/XX/XXXX when I can buy back months and that it will count as income on my taxes.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation