vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: MS

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 non-monetary relief
Consumer complaint received 2025-07-02 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: WA

Complaint narrative:
I am submitting this complaint regarding my federal student loan ( s ) serviced by MOHELA. Ive been in active repayment since 2020 and am not pursuing Public Service Loan Forgiveness ( PSLF ), but I am concerned that I may have been affected by recent reports and lawsuits related to MOHELAs mismanagement of loans.

I am requesting that MOHELA conduct a full review of my account to ensure that : All qualifying IDR payments are properly counted Any forbearance/deferment periods have been applied correctly and credited where appropriate under the one-time IDR adjustment My account is updated accurately, and any servicing errors are corrected I sent a formal dispute letter to MOHELA but want to ensure my concern is also logged with the CFPB. 

I am requesting a written response from MOHELA confirming whether Ive been impacted by the servicing errors identified in federal investigations and class action claims.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-02 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: CA

Complaint narrative:
I have been disputing this account redundantly over a year. I am still having negative, inaccurate information reporting to my account. 
Under the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), I am demanding the immediate removal of this item from my credit report.

Please provide : 1. Documentation of my written consent to allow CreditRentBoost.com to report to TransUnion.

2. If such consent can not be verified, this item must be permanently deleted from my credit file.

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 2025-07-02 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: 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 XXXX 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 Account Number XXXX Balance : {$890.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Balance : {$270.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$150.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$17000.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$1300.00} Open Date XXXX XXXX, XXXX XXXX  Account Number XXXX Balance : {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$770.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$580.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, Account Number XXXX Balance : {$570.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX # XXXX XX/XX/XXXX, XXXX XXXX # XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

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 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. 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued Experian for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA. 

Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that Experian has routinely failed to comply with this obligation.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement.

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau XXXX Your continued reporting of information without proper verification constitutes willful negligence. 

Your agency has failed to meet the legal standard of a reasonable investigation. Experian has been fraudulently and deceptively handling my 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account has been unlawfully frozen for over XXXX years, with {$110.00} withheld without proper legal justification. 

I was never personally served with any lawsuit or court documents. The companies involved XXXX Cash App XXXX Block , Inc. ) claim that a lien and restraining notice were submitted, yet they have failed to provide a certified court order or proof of lawful service. XXXX of the related court cases lists an incorrect address that is not mine, and I never received any documentation at my actual residence in XXXX. 

Despite repeated requests, Cash App continues to withhold my funds without due process. This violates my consumer and constitutional rights. I only became aware of the judgments in 2025 after following up with the court and discovering these cases had been entered without my knowledge. 

I am now filing motions to vacate the default judgments in New York courts. Cash App has been asked to release the funds or provide valid documentation but has refused to do so. 

I am requesting immediate assistance from the CFPB to stop this ongoing deprivation of property and ensure that my funds are released immediately or held in compliance with lawful due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
Good day, This situation has become overwhelming. I was shocked to discover a debt I do not recognize and completely unverified and not connected to me in any way. Since then, I have been subjected to relentless contact and even threats of legal action, which has only added to the stress. As someone who takes their responsibilities seriously, this experience is both insulting and unacceptable. It has taken a toll on my mental health and disrupted my peace of mind for far too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Subject : Formal Dispute of Reopened Closed Account To Whom It May Concern : I am writing to formally dispute a reopened account being reported by your company. According to my TransUnion credit report, your agency reopened a previously closed collection account on XX/XX/XXXX. The account was originally opened on XX/XX/XXXX. 
This type of update is highly unusual and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FRA ), particularly if no new, documented activity occurred to justify reopening the account. Re-aging or reactivating a collection account to reset its status without valid legal basis is prohibited by federal law. 
Please provide the following within 30 days : - A written explanation of why the account was reopened - Documentation that I authorized or triggered this action - Full account history showing the justification for this change If you are unable to verify the legitimacy of this action, I request that the account be closed again and corrected or removed from all credit reporting agencies. This is not an admission of liability but a good faith dispute to ensure accurate credit reporting Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offers a number of " Merchant Offers '' on the use of their credit card for certain products. I used my Citibank Card on XX/XX/year> at XXXX XXXX XXXX for a XXXX XXXX Merchant Offer. However, Citibank has a devious mechanism. If you " purchase '' the iterm on the date, but the item does not " post '' until the date after and the merchant offer expires, they do not give you the merchant offer. So in this case, my account shows the item purchased on XX/XX/year>, but it did not " post '' until XX/XX/year>, so they are denying the claim. Citibank claims this is not their fault, but it is clearly false advertising. They allow members to sign up for these merchant offers on the date they expire knowing full well that there is no way for members to actually use them, which is blatant false advertising.

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 2025-07-02 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found XXXX or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-02 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found XXXX or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In essence, PNC bank changed agreed upon closing payoff amounts without providing notification at closing, resulting in now being forced to make two monthly HELOC payments instead of one. 
I am writing to formally dispute a payment demand issued by PNC Bank on XX/XX/year>, regarding an alleged shortfall in the payoff of a prior home equity line of credit ( HELOC ) with, which was paid and closed as part of a new HELOC transaction that closed on Friday, XX/XX/year>. 

As part of the closing process on the new HELOC with PNC Bank, the existing HELOC alsowith PNC was scheduled to be paid off in full. A payoff letter and termination documentation for the original HELOC were provided by PNC and relied upon in good faith by all parties at closing, including the settlement agent and title company. The stated payoff amount was paid in full by the deadline, in accordance with the instructions provided by PNC. 

We were not made aware of any issue until XX/XX/year>, when we were informed that PNC had discovered a typo or mistake in the original payoff and termination letter and now alleges that the original payoff amount was insufficient for the first HELOC loan. This notification came 10 days after closing, well after funds had been disbursed and the transaction finalized.

Please note that : The payoff amount was provided directly by PNC ; The payment was made / funds disbursed in accordance with the instructions and timeline provided at closing ; We had no knowledge or reason to suspect the stated payoff provided at closing was incorrect.

We dispute any liability for a remaining balance that is solely the result of a mistake or misstatement made by PNC Bank, particularly when we relied on PNC official documentation in a legally binding real estate transaction. If this was indeed a clerical or calculation error on PNC 's part, the legal and financial responsibility does not shift to the borrower after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
To whom It may concern, as i previously mentioned there is an ongoing issue with lenders, and this item reporting on my credit. i submitted this completed and recieved a response in may that the company would suppress this item from reporting on my credit report, two months later its still reporting. Im once again asking for the company to suppress this item from reporting as they agreed to previously, i sent the letter to the bureaus, and the mentioned the company continues to very this item. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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