vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
During divorce proceedings my ex-spouse was responsible for the mortgage of this property. I provided her with my portion of the payment and she failed to make the payment. I would like this negative credit reporting removed from my report. XXXX refused to provide a process for reviewing such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CO

Complaint narrative:
Debt was to a credit card and had been over six ( 6 ) years but no contract with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint regarding TransUnion, which continues to report a credit account that I have formally disputed twice now. 

In both disputes, I requested proper verification of the accountincluding a copy of the original signed contract or authorization tying the account to me. As required by the Fair Credit Reporting Act ( FCRA ), the agency was obligated to either provide legitimate documentation of the debt or remove the account entirely.

Instead, they responded with vague boilerplate statements claiming the account was " verified '' yet they failed to produce any physical or electronic signature proving I initiated this account.

This violates FCRA Section 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation and correction or deletion of any unverifiable information.

Summary of Violations : No original signed contract has ever been provided.

No clear explanation of how the account was verified during the second reinvestigation.

Continuing to report unverifiable information damages my credit and financial wellbeing.

This constitutes a pattern of neglect or willful noncompliance.

I am requesting that the CFPB : Investigate the failure to verify this account after multiple disputes.

Require the credit bureau to provide a copy of the original signed agreementor delete the account entirely.

Hold the agency accountable if it is found to have ignored FCRA requirements. 

I am attaching a copy of the dispute letters and agency responses ( if available ) as supporting evidence.

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 2025-06-03 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: NY

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-03 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: MA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Webcollex, LLC
State: FL

Complaint narrative:
I received a Call/Voicemail XXXX today in the morning from a lady ( XXXX ) stating she was from the XXXX XXXX XXXX, to tell me they got me scheduled for tomorrow after XXXX to do the appraisal in my vehicle, they give me a phone number to contact in case further questions ( XXXX ) I called and spoke with XXXX XXXX from Sterling Jewerls with XXXX XXXX and he explained this was related to a balance from XXXX XXXX from back XXXX XXXX XXXX they have my last 4 of social, current address and vehicle information including tag and this appraisal needed to be done in order for them to put a lien on my vehicle, unless I made a payment immediately for XXXX XXXXXXXX XXXX dollars. I almost made this payment without thinking but I didn't I told him I will call back. I was told they are not able to take any verbal, and he was going to make notations of refusal. I said OK and hang up. He called back after few hours, and I blocked the number because none of this ring a bell specially nothing showing in credit report. He is calling my employer now asking for me, I think he got the number because I called from it earlier, to me not appropriate. He called back my cellphone and left message stating that I needed to take care of this matter before XXXX today. I'm concern because I have no documentation to confirm this - my current credit report has no such account, and I have never to my knowledge had this debt or account. I have recently applied for a new line of credit - and this seems have triggered the timing of this event. I have not received any type of certified letter or debtor collection by mail to confirm any of the statements made on the phone calls to me today. I am very concerned for my Safety because they know my address and car information, they are making threats to show up to my house and " appraise my car '' without my consent or without establishing that they can lawfully do so. I am concerned that they have all of my protected information ( SSN, address, names of family members, and now my work phone number ) which in the last voicemail the man identified as " XXXX '' has threatened to call my work phone number again as a form of harassment and fear tactic.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/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 2025-06-03 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: LA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
Opened a savings account with this XXXXXXXX XXXX XXXX after years of being a customer with multiple basic checking accounts and a business account. After the first month there was a service charge of approximately XXXX dollars on the savings account. I called the first interstate bank online customer service and they informed me that I had went over XXXX transfers XXXX allowed per month ( something that was never explained to either me or my wife during the opening of the account, but of course is in the fine print of paperwork. ) After seeing the charge this past Friday, it was after hours so I called the online customer service number. The lady informed me that there was a XXXX dollar fee every time I went over XXXX transfer of funds from my savings account. XXXX to me especially when its my money but I can partly understand the concept but again was never informed on this when opening said account. The online customer service rep informed me that she understood it was a mistake and she could reimburse me partially but my best luck for being reimbursed fully was to go to the branch on Monday, I agreed. Monday morning I went to the branch and met with XXXX, XXXX of the bankers there and she informed me that they would not be reimbursing me for the full amount charged and that she found it hard to believe that the banker who opened our savings account never told us about the transfer fees. I explained that if I knew there was such fees do you really think I wouldve made that many transfers. I also explained that the reason for so many transfers the last month was because I my basic checking got compromised, money was stolen, and first interstate was in the process of getting my account secured with a new card, at that time. And for obvious reasons I was reluctant to keep anymore than XXXX dollars in my checkings, hence why so many transfers. I have recently spoken with the Billings branch and they are very understanding of the situation and are working to accommodate me during this stressful situation, I believe a solution is nearing. In closing here, I just want to let my community around me know what my story is and that I believe the XXXX First Interstate Bank lacks professionalism, blatantly will steal your money directly out of your savings account with no notification process, has extremely rude management staff, and would rather loose a customer and an entire family of customers rather than making things right regarding the XXXX dollars taken from me. I truly hope Billings and First Interstate Supervisors will make this right as I will never conduct business at the XXXX branch again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SmartCredit LLC
State: LA

Complaint narrative:
In XXXX of this year, I sought out the services of XXXX. In doing so, I was instructed that I must sign up with SmartCredit.com in order for them to gain access to my credit file. I did so per their instruction. My contact person at ( XXXX ) was XXXX. On XX/XX/XXXX, I made the decision not to continue with their services as well as XXXX. I went on line, as well, and canceled my services with XXXX as an extra precaution. I am requestion a full refund from XXXX as follows : XX/XX/XXXX - {$29.00}, XX/XX/XXXX - {$29.00}, & XX/XX/XXXX - {$29.00} = {$89.00}. I spoke to a representative today, who was quite XXXX, and she advised that I never canceled the services until my phone conversation today ( XX/XX/XXXX ). I have not used their services and therefore demand that I receive a refund in full. I searched this company on the inter-net and read many negative comments from former customers who felt they were being scammed. Well, I feel the same way too. Please investigate this company.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 XXXXXX/XX/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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I continue to accrue interest on my student loan balances while I am in the XXXX Administrative forbearance, even though I was told in a response from Mohela on XX/XX/25 to a previous CFPB complaint that this problem would be fixed and the interest would be adjusted retroactively. 

However, I received a letter from Mohela dated XX/XX/25 that interest will continue to be charged while on the Save Administrative forbearance and the issue has not been resolved. 

Please find attached the screenshots ( XXXX pages ) of the companys response on XX/XX/25 and an attached copy of the recent letter dated XX/XX/25. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX years ago, a best buy purchase was made with deferred interest, which ended in XXXX. No updates or emails were sent to notify the end of the promotional period. XXXX, a senior manager, mentioned that the information is on the statement, but no statements are sent ; everything is available online where everything is automated, and again no communication is sent. I requested a reversal of the interest, but it was denied because it wasn't within 60 days, despite no actual attempt to address the issue. The interest charged is nearly as much as the entire purchase, even though only a few XXXX dollars were left on the deferred amount. This situation exemplifies credit card corruption at its finest.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
As a XXXX XXXX XXXXXXXX I would not recommend navy federal for banking I had loss access to my online banking account with no explanation with all of my money in that bank account i was told it was supposed to be a 2 day process it turnt out being over XXXX weeks with me not being able to access my funds Ive worked for and as Im writing this I still dont have access to my account and sitting on the phone waiting on a supervisor as I type I was told I needed the written request Ive submitted this written request over XXXX times they would confirm they have it then I would call back the next day and then say that they havent received it and I know some people would say why not just go in to the bank physically?? Well I dont have a branch in my state unfortunately its gotten to the point where there was no more excuses they could give me well they did I was then told your signature does not look the same. By now if your still reading this you can tell how frustrated I am as a XXXX XXXX  in XXXX there always rude employees and supervisors like they have at navy federal thats against us.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, BMO gave XXXX cashiers checks totaling XXXX and {$3000.00} cash to a person identifying themselves as a joint account holder on my account. It was a fraudster. 

I caught the fraud the same day and called BMO on Monday and filed a police report. 

The cashier checks were stopped before they were cashed. So, BMO was not out any money, but our account is still XXXX lighter. 

Its been XXXX weeks and BMO has not reimbursed any of the money nor have they reached out to us ; rather, we had to continually call them for updates. 

The updates are lame. We either do not get a return call or we get Still working on it I told them I was going to file a complaint with CFPB and they said that would help to escalate it.

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