vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding Equifax 's failure to properly investigate and delete ( 2 ) unauthorized credit inquiries, despite a resolution being reached with the original creditor.

In response to CFPB Complaint # XXXX, XXXXXXXX XXXX acknowledged the unauthorized inquiries on my credit report and agreed that it would be removed. However, Equifax failed to follow through on this resolution. Instead of conducting a meaningful investigation or honoring XXXX XXXX XXXX response, Equifax issued a generic response and left the inquiry on my credit file.

This is both unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expected Equifax to perform a proper reinvestigation based on the documentation and admissions provided by the creditor, but that did not occur. As a result, the inquiries remains on my report and continues to affect my credit standing unjustly.

I am requesting that the CFPB take action to ensure Equifax complies with FCRA requirements and removes the disputed inquiry from my credit report immediately. I also ask that Equifax provide a detailed explanation of why the inquiries was not deleted and why no substantive investigation took place.

Please let me know if you require any supporting documentation, including the response from XXXX XXXX. 

Thank you for your time and assistance

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 2025-07-29 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 regarding Equifax 's failure to properly investigate and delete ( 2 ) unauthorized credit inquiries, despite a resolution being reached with the original creditor.

In response to CFPB Complaint # XXXX, XXXXXXXX XXXX acknowledged the unauthorized inquiries on my credit report and agreed that it would be removed. However, Equifax failed to follow through on this resolution. Instead of conducting a meaningful investigation or honoring XXXX XXXX XXXX response, Equifax issued a generic response and left the inquiry on my credit file.

This is both unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expected Equifax to perform a proper reinvestigation based on the documentation and admissions provided by the creditor, but that did not occur. As a result, the inquiries remains on my report and continues to affect my credit standing unjustly.

I am requesting that the CFPB take action to ensure Equifax complies with FCRA requirements and removes the disputed inquiry from my credit report immediately. I also ask that Equifax provide a detailed explanation of why the inquiries was not deleted and why no substantive investigation took place.

Please let me know if you require any supporting documentation, including the response from XXXX XXXX. 

Thank you for your time and assistance

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 2025-07-29 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: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-29 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XX/XX/XXXX Certified letter was signed for by XXXX requesting debt validation. A Account summary was sent to me which is NOT a legal form of debt validation. I sent another letter requesting it be removed with No Response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: LA

Complaint narrative:
I made a report with attachments to support my claim and it still isnt removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-29 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-29 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: VA

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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

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

Company 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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On the day of XX/XX/year>. I called GM Financial for a voluntary repossession. The lady I spoke with on a recorded line made a XXXX comment towards me. It made me feel attacked and she was very rude to me. Then she transferred me to her manager and I made him aware of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My PayPal account was fraudulently compromised at the end of XXXX. They originally found in my favor, then reversed direction and found reliable for the {$250.00} that the fraudsters took. They made me pay the {$250.00} difference that paypal lost and blamed me for it. No company with any conscience would behave this way. I submitted all documentation requested, they verified my documentation on more than XXXX separate occasions, then after a month passed from the final submission, I reached back out only to find that they were threatening to send me to collections and arguing that I never submitted documentation at all. I felt like I was scammed by PayPal more than the actual fraud that took place. After resubmitting a final time, the same documentation they originally requested, they then refused to accept the documentation as originally requested over the last XXXX months I have made over XXXX phone calls to PayPal ( no exaggeration there ... over XXXX ), only to be hung out to dry. I don't intend to ever use this company again and I would strongly advise they be sanctioned for such aggressive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My Robinhood brokerage account has been restricted without a clear explanation. I currently have funds in the account, and I am unable to withdraw or transfer them to my linked bank account.

I have contacted Robinhood support, but they have not provided a resolution or timeline. I am concerned about the safety of my funds and my inability to access them.

I respectfully request that Robinhood be required to release my funds or provide a clear explanation and resolution.

I am seeking help from the CFPB to protect my rights as an investor and to ensure I regain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My credit score dropped XXXX points as it said that all my XXXX loans with Mohela increased in the amount due but all my payments were paid on time or within 30 days and they were up to date so there was no negative reports or missed payments. This has never happened before. On XX/XX/XXXX I noticed what happened via XXXX XXXX On the XXXX I was unable to get through to a person and my call was disconnected. On XX/XX/XXXX I spent XXXX hours on hold with them and then finally got through to a person and they assured me they would fix it but it has not yet been fixed. Additionally a few months ago when they switched who handles the loans internally they made it appear to my credit scores that they opened up XXXX new accounts in my name and an additional approximately XXXX of debt which also dumped my credit score around XXXX points. That was a mistake that they fixed. 

I just don't know how they can negatively report me this time when I am up to date on all my payments. I am wondering if they are mishandling payments, incorrectly charging monthly payments or the person/ people who are assigned to handle my account are just incompetent or not trained. 

A XXXX point drop in my credit score for up to date student loan payments and no late loan payments reported to creditors does not make sense to me. I had an excellent credit score of around XXXX and now it is just fair.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-29 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Anymore every year I pay extra for my escrow account so my payment won't increase and it still increases. They tell me it's because my insurance and/or taxes increased. This year I paid almost {$400.00} extra more than the escrow needed to be good and they still raised my monthly payment. I called them XXXX and they told me that I can't pay extra for the insurance or taxes to keep my payment the same stating that it's against the law to do that because of the " Real Estate Settlement Procedures Act ( RESPA ) '' and that I would have to contact others to lower my insurance and/or taxes that I won't ever be able to pay a XXXX time extra amount to cover what the insurance and taxes might raise to. 
Plus on another note, I've also talked to them ( Chase ) about paying off my mortgage early and they keep telling me my payoff cost would be the same amount as if I paid the entire term of the loan.I wouldn't be saving any money at all. Every loan I've ever had I have paid off early and it saved me money from the interest I would be saving, etc. They state I can't do that here. When I got the loan it was from another bank and I always make sure I can do that before I ever get the loan. Later apparently Chase bought my loan from my bank.

Company response to consumer: Closed with explanation