vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EXPERIAN the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EXPERIAN continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that XXXX  complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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 2025-08-28 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: AL

Complaint narrative:
I am disputing inaccurate and improperly reported accounts with multiple credit bureaus. 

XXXX XXXX This account was previously deleted from my credit reports but was later reinserted with derogatory information on TransUnion and Experian. The reinsertion occurred without the required notice within XXXX business days under the FCRA. No investigation results or documentation were provided to me to justify the reinsertion. The account is reported as a charge-off with an unpaid balance of {$10000.00}, last reported on XX/XX/2025, but it contains inconsistent dates of last activity and payment history across bureaus. 

XXXX XXXX XXXX ( XXXX XXXX : XXXX ) This account was reported to all three credit bureaus as a collection with a balance of {$2200.00}, last reported on XX/XX/2025. I previously disputed this account for inaccuracies, but no proper investigation was conducted. The bureaus failed to provide verification or results of any investigation within the required 30 days. The reporting continues to reflect inaccurate information, including inconsistent payment history and activity dates. 

Credit Inquiries My reports also show inquiries that I did not authorize or initiate, such as XXXX and XXXX XXXX on TransUnion . Despite my disputes, these inquiries remain on file without any notice of investigation results or removal. 

Overall, the credit bureaus and furnishers failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ( 1 ) conduct a proper investigation within 30 days, ( 2 ) provide verification or deletion of inaccurate accounts, and ( 3 ) give notice of reinsertion of previously deleted information. 

I am requesting that the CFPB require the credit bureaus and furnishers to : Delete the XXXX XXXX and XXXX XXXX accounts unless they can provide full, verifiable documentation of the alleged debts. 

Remove unauthorized inquiries that were not initiated by me. 

Provide proof of compliance with FCRA deadlines and reinsertion requirements.

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint is addressing a completely different issue than the complaint filed in XXXX ( XXXX ) where Capital One placed blame on the dealership. 

On XX/XX/XXXX, I purchased a XXXX XXXXXXXX XXXX  from XXXX XXXX XXXX XXXX in XXXX XXXX NC. The dealership submitted a credit application to Capital One Auto Finance that contained inflated income ( {$5700.00} per month ) and deflated rent ( {$300.00} per month ). 

I asked Capital One to send me a copy of the contract they used to finance the loan. They did send it. I immediately knew the information was falsified. The credit application that Capital One sent was my first time ever seeing that document. 

On XX/XX/XXXX I faxed a packet to Capital One showing how the dealership calculated my gross monthly income despite having two paychecks for the month of XXXX that shows my actual monthly gross income. The dealership chose to use my one paycheck in XXXX to calculate my income. I also attached proof of my actual rent. 

Despite being placed on notice and given proof, Capital One continues to enforce and service the loan as if it were valid. I never consented to the dealership altering my financial information, and I never received a copy of the original credit application from the dealership so I could not have approved it. The credit application is not a part of the 5 page unsigned contract I was given I would like to draw attention to the bottom of the credit application. On the far right, there is a print date of XX/XX/XXXX ( the day I purchased the car ). However, beside my alleged signature there is a blank date line, and beneath that is a typed date of XX/XX/XXXX. 

If I had actually signed this document on XX/XX/XXXX, I would have also dated it on that same day. The fact that the signature line is blank while the typed date shows XX/XX/XXXX strongly suggests that this application was altered or generated after the fact. 

It is obvious the credit application on file is inconsistent and does not represent a legitimate document I knowingly signed. I have been put in a loan that I can not financially sustained based on false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I filed for a fraud and identity theft case with American Express number XXXX. The amount of the fraud is {$9700.00}. The case was opened on XX/XX/XXXX. I'm asking for a resolution to this case. American Express keeps claiming this as a dispute. On XX/XX/XXXX, the case it intended to be resolved. It is an identity theft and fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have a collections account on my credit that is not mine. I called the collector after they told XXXX it was mine and they advised they had nothing with my information and could not give me any info on a account that isnt mine XXXX is the only credit bureau keeping this account on my file I was able to speak with XXXX  and they were able to see it was not mine and remove it within hours see attached photos

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This letter is a formal second request for reinvestigation of inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ).

Despite my previous dispute, the following items remain on my report without sufficient verification or correction. I request that you either provide proper verification from the data furnishers or delete the information from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-28 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: MN

Complaint narrative:
Dear CFPB, I am filing this complaint regarding TransUnion, LLC. They have reported and verified collection accounts on my credit report without providing any signed contracts or documentation proving that I am legally responsible for these debts.

When I disputed these accounts, TransUnion responded by stating that the accounts were verified. However, they did not provide any evidence such as signed agreements or contracts that would confirm my liability. By doing so, TransUnion has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Simply confirming the furnishers claim without requiring supporting documentation does not satisfy this standard.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion of disputed information that can not be verified. Since no proof has been provided, these collections remain unverified and must be removed.

FCRA 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of consumer reports. Continuing to report accounts that can not be substantiated violates this requirement.

I believe TransUnion is willfully noncompliant with the law by refusing to remove inaccurate, unverified accounts. I am requesting that the CFPB investigate these violations and require TransUnion to : Delete the disputed collection accounts from my credit file. 

XXXX XXXX XXXX - r

eporting on my credit report twice Provide written confirmation of the deletions. Ensure compliance with the FCRA going forward by not reporting unverifiable information. Thank you for your attention to this matter.

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 2025-08-28 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: MS

Complaint narrative:
Never did any kinda transaction have illega violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Company : MOHELA ( XXXX  XXXX XXXX XXXX XXXX XXXX Product/Service : Student Loan Servicing Complaint Details : On XX/XX/ 2025, I spoke with a MOHELA representative named XXXX  ( ID # XXXX, Extension XXXX ) from the XXXX XXXX XXXXXXXX XXXX  XXXX He acknowledged that I should have been placed in a processing forbearance during my consolidation loan period, but MOHELA failed to apply this, and I was not informed. Because of this error, MOHELA reported a missed payment to credit bureaus. 

XXXX opened an internal customer advocacy ticket and assured me that XXXX XXXX letters would be sent to credit agencies to correct this wrongful negative reporting. He explained it might take up to 90 business days, but I have not received confirmation, and MOHELA has been unresponsive since. 

The attached evidence shows : On XX/XX/ 2025, I received a Missed Payment Action Needed message in my MOHELA inbox.

Just five days later, on XX/XX/2025, I received confirmation that my consolidation loan had paid off my MOHELA balance in full. ( See uploaded payoff record and inbox screenshots ). 

This sequence confirms that the missed payment never should have been reported. If MOHELA had applied the forbearance as required, no negative credit mark would exist. 

Harm Caused : Because MOHELA has not issued the promised XXXX XXXX, I am still suffering harm : Wrongful negative credit marks remain on my record. 

I have faced difficulty obtaining credit, higher costs due to reduced credit scores, and personal XXXX. 

I have no clear point of contact at MOHELA for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I just want to verify if this company Lending Point is legit. It sounded too good to be true but I am desperate to get help catching up with my rent so I talked to the guy. I started becoming concerned when he asked for my debit card number and my pin. He also asked for my online banking information. I went online and changed my password and will be going to my bank to change my pin. I was told they would deposit {$300.00} into my account and once its verified I would receive my loan amount. I'm very worried that I may have given them too much information. Can you tell me if this company is legit or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXXXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX  XXXX United States Bankruptcy XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXXXXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX  XXXX United States Bankruptcy XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation