vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this statement regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries were not initiated by me, and I did not grant permission to any of the listed companies to access my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and has obtained the consumers authorization. The appearance of these inquiries violates my rights under the FCRA because no such authorization was provided.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into these unauthorized inquiries and ensure that they are permanently removed from my credit report. I also request confirmation from the involved credit bureaus and creditors that appropriate corrective action has been taken.

Please note that unauthorized inquiries can negatively affect my credit profile, and I expect immediate attention to this matter in compliance with FCRA 611 ( Dispute Process ) and 616617 ( Civil Liability for Willful or Negligent Noncompliance ). 

Attached are copies of my identification and supporting documents verifying my identity and showing the disputed inquiries. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CT

Complaint narrative:
Set up payment plan that expires after a few months. Once plan option expires they call non-stop during my own work hours. I must answer calls for my job and this becomes bothersome to receive over XXXX calls within the hours of XXXX XXXX. It is currently XXXX and they've already called 5 times ; and I expect they will continue until XXXX XXXX, per FDCPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Absolute Resolutions Investments , LLC, XXXX XXXX, is not licensed to do business and collect debt in the state of Georgia according XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Netspend Corporation
State: CA

Complaint narrative:
The NetSpend company representatives multiple times assured that XXXX balance account will not be accessed any fees. Particularly they said it when XXXX tired to close an account. And then if the account remains open with XXXX balance they charge the fees they lied they would not charge. They they deny that they said it. Other reps deny anybody said it. Trying to waste your time talking for a long time over the phone just to convince you not to close the account, providing all kinds of misinformation.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute several items listed on my Equifax credit report. After reviewing my report, I believe the following accounts and inquiries are inaccurately reported, and I am requesting a thorough investigation into these items. 

Charged-Off Accounts : None Listed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Harris & Harris reported a XXXX XXXX collection account to my credit report without ever contacting me before reporting. I received no validation notice, no initial communication, and no written notice of any kind. I also received no phone calls or texts. This violates FDCPA 1692g and CFPB Regulation F ( 12 C.F.R. 1006.34 ). 

When I contacted Harris & Harris on XX/XX/year>, the representative refused to provide validation, refused to provide an account number, redirected me to XXXX, and ended the call. She claimed that validation notices were emailed in XXXX and XX/XX/year>, but I never received any messages, and I never consented to electronic delivery as required by the E-SIGN Act ( 15 U.S.C. 7001 ).

Additionally, Harris & Harris quoted me a different balance over the phone ( {$170.00} ) than the amount reported on my credit report ( {$140.00} ). This violates the FCRAs accuracy requirements ( 15 U.S.C. 1681s-2 ( a ) ) and indicates they do not have validated documentation. 

Because Harris & Harris failed to provide proper notice, failed to validate the debt, and reported inaccurate information, I am requesting that the CFPB require Harris & Harris to delete this collection account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Sold my car to XXXX for {$38000.00}. I got a check for {$8500.00} and XXXX sent the rest of my payoff to capital one. They sent {$29000.00} and the payoff was {$29000.00}. I never received my refund for the extra that XXXX  paid. Capital one states they didnt receive any extra, but I have proof from XXXX  showing the full amount sent was cleared and the date it cleared on. I have been getting the run around and told many different stories from capital one. They can not provide any information other than my car was paid off for the {$29000.00}. Some say the money was sent back to XXXX, others say they only received the payoff amount. They will not show proof of money being sent back or show me anything that shows when they got the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine ; please delete them within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute inaccuracies related to my credit report as provided by the three major credit bureaus Experian Below are the specific accounts in dispute, categorized by bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00}

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I have held an account with Robinhood that contained approximately {$920.00} in XXXX ( XXXX ). Recently, I submitted a request through Robinhoods platform to convert my XXXX  balance into U.S. dollars and transfer the funds to my linked bank account. 
Shortly afterward, my account was suspended and then closed. Robinhoods only explanation was an alleged involvement with scam websites. This claim is entirely false. I have never engaged in fraudulent or unlawful activity. I am an individual XXXX XXXX  who sells XXXX  and occasionally receives payments in cryptocurrency. 
Robinhood has not provided any written explanation, nor have they given me a method to access or withdraw my legitimate funds. After two phone calls to ask for XXXX transfer to USD, I was told my account was being investigated. Their platform now prevents me from logging in or contacting customer support. Even the official contact and help links on their site and app are non-functional. There is NO actual customer service. 

I am prepared to provide account details, screenshots of my XXXX  balance, and correspondence showing Robinhoods closure message. Please advise how best to submit this evidence securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: TX

Complaint narrative:
Subject : Complaint Regarding Predatory Private Student Loan Tuition Answer Loan Lender : XXXX XXXX / XXXX Loan Type : Tuition Answer Loan Origination Year : XXXX  Original Loan Amount : {$40000.00} Amount Paid to Date : $ XXXX Remaining Balance : {$58000.00} ( as of [ date ] ) Summary of Complaint : I am submitting this complaint regarding what I believe are unfair, deceptive, and predatory lending and servicing practices associated with a Tuition Answer private student loan I obtained in XXXX. Despite borrowing {$40000.00}, I have repaid over {$100000.00} to date and still owe an inflated balance of {$58000.00}. This repayment amount far exceeds the original principal and reasonable interest. 
Key Concerns : 1. Lack of Transparency and Informed Consent : At the time of origination, I was a medical student with limited income. I was not adequately informed of the loans long-term cost, capitalization practices, or risks. There was no clear assessment of my ability to repay.

2. Excessive Interest and Capitalization : Interest has been compounded over time in a way that appears to be abusive. The remaining balance does not reflect proportional amortization based on what has already been paid.

3. Deceptive Servicing Practices : Attempts to obtain a payoff statement or negotiate a fair settlement have been rejected or met with misleading information about my options. Ive also been discouraged from pursuing co-signer release or refinancing alternatives.

4. Unconscionable Loan Terms : The repayment terms appear to be structured in a way that guarantees continued indebtedness. This may violate state consumer protection laws, and possibly Section 5 of the FTC Act.

Requested Relief : I am seeking a fair resolution of this debt, including the possibility of a negotiated settlement that reflects the excessive amount already paid.

I request an investigation into the original loan origination and servicing practices.

I also request that collection activity be paused during the investigation.

Please advise what further documentation is needed. I am prepared to provide payment history and correspondence.

Company response to consumer: Closed with explanation