vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IA

Complaint narrative:
The ONLY way to close a cashapp account is using their app - no email, no phone call. But I don't own a smartphone and can not download their app. I made the account using my laptop on their website. They won't let me close it when I call. 

Background info : I got a letter from CashApp saying the State of Iowa required them to notify me that I had money I hadn't touched. I went to log into the cashapp website but I no longer have access to the email or phone number used to create the account. When I called customer service, they told me to make a second account using my laptop to transfer the money. I started this process, but decided I just wanted to close my accounts. They refused to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MO

Complaint narrative:
I submitted a dispute to the Department of Education regarding my FFEL Consolidated Loan, which is serviced by MOHELA. That dispute had a case number and was visible on my StudentAid.gov portal, but it was later erased without any response or resolution. 

I consolidated my federal loans in XXXX. Despite XXXX  years of making payments, MOHELA now reports a balance of over {$100000.00} and states there is no record of my payment history, even though I have documentation proving otherwise. The NSLDS report shows no cumulative payment activity, yet interest continues to accrue. The loan is listed as in repayment with a {$0.00} scheduled monthly payment. 

I have contacted MOHELA multiple times requesting a full payment history, a breakdown of capitalized interest, and a formal reconciliation. I have also filed a complaint with the FSA Ombudsman and submitted a FOIA request to the Department of Education to recover the missing dispute case and records. 

In addition, I am concerned that MOHELAs inaccurate reporting including inflated loan balances and missing payment history is negatively impacting my credit report and overall credit score. I am requesting CFPB assistance in resolving this dispute, correcting any related credit reporting errors, and ensuring that my account is accurately reflected in all loan and credit records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The account is being reported with a charge-o status and simultaneously showing a pastdue amount, which is inconsistent and misleading. A charged-o account should not continue to accrue a past-due balance in this manner.

The reporting of a current balance after charge-o suggests continued delinquency, which inflates the negative impact on my credit score.

Payment history is incomplete and lacks transparency, with several months missing and no proper record of activity prior to the charge-off status. 
No documentation has been provided to support the accuracy or validity of the amounts reported.

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 2025-07-27 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: VA

Complaint narrative:
The account is being reported with a charge-o status and simultaneously showing a pastdue amount, which is inconsistent and misleading. A charged-o account should not continue to accrue a past-due balance in this manner. 
The reporting of a current balance after charge-o suggests continued delinquency, which inflates the negative impact on my credit score. 
Payment history is incomplete and lacks transparency, with several months missing and no proper record of activity prior to the charge-off status. 
No documentation has been provided to support the accuracy or validity of the amounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
The account is being reported with a charge-o status and simultaneously showing a pastdue amount, which is inconsistent and misleading. A charged-o account should not continue to accrue a past-due balance in this manner.

The reporting of a current balance after charge-o suggests continued delinquency, which inflates the negative impact on my credit score.

Payment history is incomplete and lacks transparency, with several months missing and no proper record of activity prior to the charge-off status.

No documentation has been provided to support the accuracy or validity of the amounts reported.

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After the XXXX XXXX XXXXata breach, multiple inaccurate and potentially fraudulent accounts appeared on my credit reports. I did not open or authorize any of these accounts. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, my credit report lists incorrect personal information such as outdated addresses, multiple name variations, and an employer I have never worked for. I submitted a formal dispute to the credit bureaus with documentation verifying my identity and current address. I have requested the removal of all inaccurate accounts and corrections to my personal information under the Fair Credit Reporting Act ( FCRA ). I am awaiting confirmation that these actions have been taken.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not agree with the way the below account is reporting. I request this account to be re-investigated. All the inaccuracies are affecting my credit score. 

Account : XXXX Account # : XXXX According to the FCRA public law 91-506, title VI Section 611, please provide the names and addresses of person ( s ) with whom you verified the account so that I can follow up with them. After the reinvestigation please send me an updated copy or my credit report.

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 2025-07-27 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: FL

Complaint narrative:
I have identified serious discrepancies and factual errors in the way these accounts are being reported violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines. These accounts must be investigated and deleted immediately if you can not verify every detail with complete accuracy. FURTHER MORE I HAVE PREVIOUSLY ASKED FOR PROOF THIS ACCOUNT BELONGS TO ME. I HAVE REQUESTED FOR ORGIINAL DOCUMENTS WITH MY SIGNATURE AND I NEVER RECEIVED THAT

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 2025-07-27 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have reached out to XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have reached out to XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted proof of a legal name change XXXX times : XX/XX/year> ; XX/XX/year>, and again XX/XX/year>. Each time with court documents, government issued id, and social security card ... the XXXX one even has the updated birth certificate. They still have not changed my name and now it's preventing me from getting accounts. I have also called several times but do not have those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I refinanced a vehicle with One Main. I was looking to lower my monthly payment. During the review of the terms I was advised that I could refinance after 6 months to look at lowering the rate. When I attempted to refinance I was told no due to negative equity. If I would have known this I would never have done the refi. I was provided false information that confirmed my decision to move forward with the refinance at a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Equifax Information Services LLC and the Department of EducationXXXX for continued reporting of inaccurate, unverifiable, and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 

I previously disputed XXXX student loan accounts reported by Dept of EdXXXX XXXX Account # ending in XXXX XXXXXXXX ). The dispute results dated XX/XX/year>, confirm that Equifax verified that this item belongs to you. However, the verification failed to include any supporting documentation proving the validity, ownership, or accuracy of the debt as required under 15 U.S. Code 1681i. 

Despite multiple months indicating " payment deferred, '' and inconsistent updates on account statuses such as " Affected by Natural or Declared Disaster, '' the account continues to show derogatory statuses such as " Over 120 Days Past Due '' and " 150 Days Past Due '' without sufficient explanation, validation, or updated evidence. This is inherently misleading, especially when no clear chain of assignment or contract bearing my wet-ink signature has been provided. 

I believe these reporting errors : Violate 15 U.S.C. 1681s-2 ( b ) ( duty of furnishers to investigate disputed information ) ; Misrepresent my payment obligations and history ; Are damaging my creditworthiness unlawfully. 
Resolution Sought : I respectfully request that the CFPB conduct a thorough investigation and compel : Equifax and XXXX to provide documented proof of debt ownership and legal reporting authority ; Immediate deletion of these inaccurately reported accounts if validation can not be substantiated ; Prevention of future re-reporting of unverifiable accounts in accordance with FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have contacted the institution on numerous occassions asking them to provide me with proper consent that was was provided by me due to my information being brought, traded and sold without my consent for monetary gain and the companies have yet to respond back to my requests so therefore I am asking for these items to be removed from XXXX XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

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 explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My personal information was compromised in the XXXX data breach, and I have confirmation of my inclusion in that breach. As a result, I am disputing the following account and inquiries that are reporting negatively on my credit file : XXXX XXXX Account # : XXXX Inquiries : XXXX, XXXX XXXX XXXX This account is inaccurate and unauthorized. I am requesting the removal under FCRA Section 605B, which provides protections for individuals whose personal data has been compromised. I have submitted documentation including my government-issued ID and confirmation of breach involvement.

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 2025-07-27 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I originally had an auto account with XXXX XXXX XXXX. On XX/XX/2025, I submitted a complaint to the CFPB regarding unresolved issues with the account and incorrect information being reported to the credit bureaus. On XX/XX/2025, XXXX responded stating that the account had been transferred to Cavalry Portfolio Services and that they could no longer assist me. 

Since then, I have not received any communication, account documentation, or validation from Cavalry. Despite this, the account continues to impact my credit. I have not received a debt validation notice, account details, or confirmation of the amount allegedly owed. I requested this information but never received a response. 

I am disputing the accuracy of this account and requesting full validation. Until Cavalry provides proper verification, the reporting of this account is inaccurate and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that all unverified or inaccurate information be removed from my credit reports and that this matter be properly investigated and resolved.

Company response to consumer: Closed with explanation