vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report from XXXX XXXX XXXX XXXX XXXX. I have provided documentation proving the information is incorrect, including letters with documentation showing why these items should no longer be on my credit report, provided FTC information report stating inquires should not be on report, I have submitted information from what I have pulled from the internet, submitted my degrees, and now requesting information be sent to me showing that there is record I owe this loan. 

Despite multiple attempts to resolve this, the bureau has refused to correct or remove the inaccurate item. Phone calls have been disconnected, and I am unable to reach the appropriate department. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the bureau immediately investigate and remove or correct the inaccurate information and provide written confirmation of the resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-24 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AL

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 " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court 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 2025-10-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX  was deposited to open the account XX/XX/XXXXXXXX XXXX was direct deposited into the account. 
When I initially opened the account, I had to by pass through a security check which included taking a selfie. I opened the account with the intention of receiving the credit XXXX  as advertised for meeting the criteria. Which were met. Instead they closed the account, denied me the XXXX and told me I could not withdraw any of my money from the account. They told me to wait for a letter to arrive and they have no estimate time on when the letter would arrive. I went to the branch to withdraw the money and was told that XXXX was going to be mailed within 10 days but they have no confirmation on when the additional funds would be sent.

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 2025-10-24 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: AR

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I received a denial from XXXX regarding case ID XXXX, which I had submitted to report unauthorized transactions. The charges XXXX XXXX Transaction ID : XXXXXXXX XXXX XXXX ( Transaction ID : XXXX ), and {$0.00} discrepancywere tied to a billing agreement I did not knowingly authorize. XXXX claimed the transactions were valid due to a preexisting billing agreement, but they also canceled the agreement after my report, which supports my claim that it was unauthorized. 
I believe this billing agreement was fraudulently created as part of a broader breach. I did not recognize the merchant, did not approve the recurring charges, and was not notified of the agreement setup. I requested documentation used in XXXX decision and intend to appeal the outcome. I am seeking reversal of the charges, a full investigation into the billing agreement setup, and stronger fraud protections.

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 2025-10-24 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: Westlake Services, LLC
State: SC

Complaint narrative:
The auto loan was originally with XXXX XXXX XXXX and transferred to Westlake Portfolio Management in XX/XX/XXXX. The consumer went on XXXX  XXXX in XXXX and XX/XX/XXXX and resumed payments in XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX without any written notice, documentation, or opportunity to cure the alleged default. 

After the repossession, the consumer contacted Westlake PM and was given a balance to redeem the vehicle, but no written documentation or proof of the repossession, sale, or remaining balance was provided. 

A dispute was filed with TransUnion on XX/XX/XXXX. On XX/XX/XXXX, the dispute was marked verified, but no supporting documentation was provided. The account still shows Unknown status and Repossession Redeemed/ Profit and Loss Write-Off. The investigation did not correct the inaccurate information on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I kindly ask for the deletion of these inaccurate accounts from my credit report, as I did not consent to their addition. It is essential that you quickly eliminate this inaccurate information from my records. KINDLY BLOCK AND DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Thank You Account : XXXX Credit Card : XXXX This summer while logging in I noticed that I had some Thank You points that were getting ready to expire, a total of XXXX points. I tried to transfer them to XXXX but every time I tried the order was being cancelled - see attached. 

The next day when I logged in I did not see any points that were getting ready to expire so I called the XXXX Thank You customer service and asked if any points were expiring and was told no. Three months later I called again and asked the agent if any points were expiring and again I was told no, the agent issued courtesy points for all the confusion and I thought I was set. Today I find out that a total of XXXX points in fact did expire. I called and asked to speak to a supervisor and was basically told that they cant see any points that will expire which I found shocking because you work in that environment daily, its like me calling my bank and asking for my balance and they say they cant help me. I called again and spoke with another gentlemen who was very customer service oriented and he said he will put in request to have those points put back in the account since it was documented I called and inquired about expiring points, he has also put XXXX points as a courtesy so the rude interaction I had with the other supervisor. All I want is the points be put back in my account so I can transfer them to an Airline and not loose them,

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 2025-10-24 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: VA

Complaint narrative:
It is extremely upsetting to see that inaccurate late payments are still listed on my credit reports today. I refreshed the browser but nothing changed, and this is causing me a lot of stress. I am urgently asking that the documents I provided be examined properly so I can finally have peace of mind.

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 2025-10-24 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: SC

Complaint narrative:
I am writing to file a formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and damaging information on my credit reports. These errors have severely harmed my credit standing and financial stability. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the listed accounts and records below remain inaccurate.

1. Wrong Addresses Reported The following addresses are not mine, yet they appear on my credit profile : XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX, XXXX, SC XXXX Wrong Address These incorrect addresses suggest possible mixed files or identity errors, which violate the accuracy requirements of the FCRA.

2. Inaccurate and Harmful Account Reporting The following accounts are either reported with incorrect status, inaccurate balances, or in violation of proper reporting standards : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Reported late payments ; account opened XX/XX/XXXX with balance {$270000.00}. These lates are not accurate. 

XXXX XXXX ( XXXXXXXX XXXX XXXX  ) * * Account opened XX/XX/XXXX, balance {$1100.00}. Reported late payments that are disputed. 

XXXX ( XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  ) * * Multiple accounts reported as charge-offs with balances of {$45000.00}, {$3700.00}, and {$7000.00}. These are inaccurate, duplicative, and misleading. 

XXXX XXXX ( XXXXXXXX XXXX XXXX  ) * * Account opened XX/XX/XXXX, balance {$4200.00}, reported as charge-off which is false. 

XXXX XXXX ( XXXX ) * * Collection account opened XX/XX/XXXX, balance {$1300.00}. This is disputed and inaccurate.

3. Improper Hard Inquiries The following creditors pulled hard inquiries without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and constitute a violation of FCRA 604.

Requested Relief I respectfully request that the CFPB : Investigate these inaccuracies with the reporting furnishers and credit bureaus.

Remove the wrong addresses, as they do not belong to me.

Delete or correct the inaccurate accounts, late payments, charge-offs, and collections listed above.

Remove all unauthorized hard inquiries from my credit file.

Ensure all furnishers and CRAs comply with the accuracy and reinvestigation standards under the FCRA.

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 2025-10-24 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: MS

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-24 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
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 non-monetary relief
Consumer complaint received 2025-10-24 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
I am very frustrated because inaccurate late payments are still appearing on my credit reports this morning, and I can not understand why. Even after refreshing the browser, those incorrect late payments remain. I urgently request that the documents I submitted be reviewed carefully so I can finally stop worrying about this problem.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Order # XXXX. After paying XXXX XXXX payment of {$20.00} of {$81.00} total for tabletop pool table, XXXXXXXX XXXX gave order to XXXX XXXX XXXX who chose Ontrac # XXXX. As of XXXX this item was returned undelivered. XXXX fraudulently stated incomplete delivery address even though XXXX 's confirmed correct address. Both XXXX XXXX XXXX XXXX refused cancellation. I filed bank charge back # XXXX, but agent repeatedly refused my attempts to give XXXX tracking #, proving non receipt of item, demonstrating bias to merchant as claim later reopened to XXXX, but not to me. I cancelled bank card ending in XXXX & bank issued XXXX payment permanent credit, & cancelled only identical recurring charges, but not new amounts that XXXX will attempt charge in future. XXXX however, placed order on permanent " pause '' refusing refund, & fraudulently attempted to recharge XXXX payment that bank returned, also attempted to recharge refund of {$20.00} they NEVER issued. Enclosed email shows the following XXXX payments padded to beyond original total of {$81.00} to {$100.00}, all ignoring the fact that enclosed XXXX upload shows package returned undelivered as of XXXX. As I ordered a new bank card to protect myself against XXXX future unauthorized recurring charges, Bank of America gave my new card ending in XXXX to XXXX without my knowledge & without my authorization, more proof of bias to the merchant as I will not activate this card.

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 2025-10-24 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with explanation