vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
There are a few companies that is providing false information on my credit report. I have an account with XXXX credit and they are reporting a closed account on my report but my XXXX  XXXX XXXX account is open. Michigan child support is reporting a closed accounts on my report and it shows late payments and I never was late on any payments because the money was being garnished from my pay check. A company called XXXX XXXX has placed an account in collections on my report from a gym in Georgia and I am not affiliated with neither XXXX XXXX  or XXXX XXXX. I have inquiries showing up on my report that I did not authorize I did not apply for any new credit in the past year.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are a few companies that is providing false information on my credit report. I have an account with XXXX credit and they are reporting a closed account on my report but my XXXX  XXXX XXXX account is open. Michigan child support is reporting a closed accounts on my report and it shows late payments and I never was late on any payments because the money was being garnished from my pay check. A company called XXXX XXXX has placed an account in collections on my report from a gym in Georgia and I am not affiliated with neither XXXX XXXX  or XXXX XXXX. I have inquiries showing up on my report that I did not authorize I did not apply for any new credit in the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am filing this complaint to address a complex history of student debt across multiple institutions. My file contains loans from a shuttered predatory institution ( XXXX XXXX ), a school recently settled for misrepresentation ( XXXX XXXX ), and traditional public institutions ( XXXX XXXX XXXX XXXX, XXXX XXXX ). My servicers, Navient and XXXX, have consistently failed to properly advise me on discharge eligibility and repayment options. As a resident of Michigan, I am also seeking a review of my private and federal loans under the XXXX multi-state settlement with Navient. 

Section 1 : XXXX XXXX XXXX ( Misconduct & Group Discharge ) I attended XXXX XXXX, an institution the Department of Education has found to have engaged in " widespread and pervasive misrepresentations. '' Under the XX/XX/XXXX group discharge announcement, all federal loans associated with my enrollment at XXXX XXXX are subject to 100 % discharge. Despite this, my servicers continue to report these balances. I request an immediate update and a full refund of any payments made toward XXXX federal loans. 

Section 2 : XXXX XXXX ( Substantial Misrepresentation ) I attended XXXX XXXX in XXXX. I am asserting a Borrower Defense to Repayment claim based on the institution 's documented history of misleading students regarding job placement rates. This misconduct led to a {$2.00} million settlement with the Department of Education in XXXX ( Billing # XXXX ). I was a victim of these misrepresentations and request that my XXXX XXXX loans be reviewed for full discharge. 

Section 3 : Servicing Failures & Forbearance Steering Throughout my history with Navient and XXXX, I was " steered '' into long-term forbearances rather than being placed in Income-Driven Repayment ( IDR ) plans like SAVE or IBR. This practice caused my interest to capitalize and my balance to explode. I request that my account be audited under the IDR Account Adjustment to ensure every month I spent in steered forbearance is counted toward my eventual loan forgiveness. 

Requested Resolution Immediate 100 % discharge of all XXXX XXXX XXXX loans. 

Expedited review of XXXX XXXX loans for discharge based on the XXXX FSA findings. 

Full account audit to apply retroactive IDR credits for all periods of forbearance steering. 

Cessation of all collection activity while these investigations are pending. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was hospitalized with septic shock within the last year and have had 3 episodes of sepsis after. I am currently in good health and paying off my cards. Unfortunately, I had an incident where another bank processed a payment and an autopay at the same time, doubling my payments and causing others to be returned, including Capital One. I highly value my credit with Capital One and ask the cards to be reinstated. My income, home equity, etc., are there. I will continue to abide by my end of the contract. I struggle to make payments but they are made, i do not default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following charged-off accounts that are incorrectly reported on my credit report. 

Account Name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A credit card was opened with Wells Fargo in XXXX of XXXX using my social security number and an address that I haven't live at since XXXX. I asked Experian to look into this as fraud. They responded XXXX that the info on the account was all correct and they show the account as open. I also contacted Wells Fargo. They told me that the address on the account was XXXX XXXX XXXX XXXX # XXXX XXXX, il where i haven't lived since XXXX. I asked them to close the account but it remains open. At the time this account was opened my credit file was locked at XXXX. It was not locked at the other XXXX agencies because I mistakenly thought XXXX  would notify them I have since locked it with both. There are no current charges against this credit card. I never got any info from Wells Fargo at the time the account was opened. No credit card arrived. No statements have arrived. I simply got nothing from Wells Fargo to this day. I don't know what the purpose was for opening this account but suspect its identity theft.

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 2025-12-29 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fifth Third Bank is reporting an outstanding balance on my credit report that is inaccurate. Fifth Third filed a lawsuit against me regarding this alleged debt, but later voluntarily nonsuited and dismissed the case without prejudice, abandoning the claim and obtaining no judgment and no adjudicated balance. 

Despite the dismissal of its lawsuit, Fifth Third continues to report a balance as if the debt were established and enforceable. Because the creditor chose to abandon litigation and no court determined that any amount is owed, the continued reporting of a specific balance is factually inaccurate and misleading. 

I previously disputed this reporting with the credit reporting agency and provided documentation showing that the lawsuit was dismissed. I also requested correction and deletion of the inaccurate balance and documentation supporting any claimed balance. Fifth Third has failed to provide documentation establishing that the reported balance is accurate and has continued reporting the account. 

Reporting a balance after voluntarily dismissing litigation, without a judgment or proof of liability, violates the creditors obligation to furnish accurate information. I am requesting that this inaccurate tradeline be corrected or deleted and that Fifth Third cease reporting any balance that was never adjudicated or proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nav Technologies, Inc.
State: GA

Complaint narrative:
some type of business credit service was opened in my name without my knowledge and its reporting on my personal credit. i did not open this account, speak with anyone at this company to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2.

Signature Federal Cr 12/23/2025XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When reviewing my credit report I noticed hard inquiries that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
In XXXX of XXXX, I tried calling Mohela to switch my repayment plan and was put on hold. I was able to select the option to be called back, and never was. I also can not access my account. Even when I enter my birthday and social security number ( for their account recovery system ) it prompts me with a screen stating that I am not in their system. On the FAFSA website, it clearly states that Mohela is my servicer, so I do not know how I am not in their system. On XX/XX/XXXX at around XXXX, I called Mohela to change my payment plan as I tried in XXXX. According to emails received by them, I am to begin repayment on XX/XX/XXXX and can not afford the payment amount. I spoke to an initial representative that said he would have to switch me to an advanced employee to help me. A robot voice stated I would be on hold for approximately 45 minutes and it has been well over 2 hours with no option for a callback request. This is predatory and they need to fix their customer service system. I am afraid that if I am not able to switch my plans by my payment date, I will not be able to make the payment and will have my credit negatively affected as well as jobs requiring good standings with paying back federal student loans. I would like to resolve this issue as quickly as possible and be able to change my payment plan so that I can make my payment on time.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I was charged interest of {$1300.00} for a promotional charge of {$8100.00}. At that time the balance on that promotional charge was {$570.00}. A payment of {$480.00} was made on XX/XX/XXXX and it was not applied to that promotional balance. On XX/XX/XXXX I contacted them and I saw the interest charged to the account. I asked if it could be waived and the supervisor said yes if the balance is paid off. I then asked why the balance was still {$570.00} and the payment on XX/XX/XXXX was not taken off. He tried to re-allocate it and he did the payment as a positive on the account and it raised the balance to {$990.00}. I contacted a supervisor XXXX other times since then. In XXXX they told me the account is under review and I needed to wait until the process was done. This morning the supervisor said the interest would not be waived as it is final and it is past the XXXX  days since the promotional period ended. I explained that I contacted them within the XXXX  days and was willing to pay the balance and they told me to wait. It sounds now like they asked me to wait on purpose so they didnt have to waive the interest. on XX/XX/XXXX I made the payment of {$570.00} while on the phone with them and cancelled it as they told me to wait. The interest of {$1300.00} is now gaining interest every month and this is not ok.

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 2025-12-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

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 2025-12-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TN

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 XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief