vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Subject : Complaint Under the Fair Credit Reporting Act ( FCRA 611 ( b ) & 623 ( b ) ) Failure to Correct Inaccurate Reporting Creditor/Furnisher : XXXX XXXX XXXX XXXXXXXX. 
Account Number : XXXX Mailing Address : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX for continuing to report inaccurate and misleading information to the credit bureaus despite multiple written disputes and supporting documentation proving the inaccuracy. 

The account listed above was Reported 9 late payments despite closure and payment in full ( XX/XX/year> ). However, the company continues to report false information, including late payments and/or charge-off status. 

I submitted a written dispute under FCRA 623 ( a ) ( 8 ), providing payment proof and account statements. The company responded with a denial letter claiming the data was verified as accurate, yet failed to produce evidence supporting the delinquencies.

This is a violation of : - FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute.

- FCRA 611 ( b ) : Failure to ensure that inaccurate or unverifiable data is corrected or deleted.

I request that the Consumer Financial Protection Bureau require the furnisher to delete the entire trade line under FCRA 611 ( a ) ( 5 ) ( A ) as the information can not be verified.

Attachments : 1. My original dispute letter 2. The companys denial response 3. Proof of payment or account closure 4. Credit report screenshot showing inaccurate reporting 5. Photo ID and proof of address Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes for furnishing consumer reports. The agency has reported or disclosed information from my credit file without my written consent or any legal authorization. I did not provide any written instructions permitting the collection or dissemination of this information. This constitutes a clear violation of the FCRAs permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
Hello, I am submitting this complaint because I was a borrower with XXXX and believe I was eligible for relief under the XXXX multistate lawsuit settlement ( announced XX/XX/XXXX ), but I never received any notice of inclusion or exclusion in the settlement, nor did I receive any restitution payment or debt cancellation. 

I believe I meet the criteria outlined in the settlement for borrowers affected by XXXX deceptive practices, including misleading repayment options and predatory subprime private loans. Despite this, I was not informed of any status update, letter, or email regarding my eligibility. 

Borrower details : XXXX XXXX XXXX of Birth : XX/XX/XXXX Address at the time of XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Last XXXX digits of XXXX : XXXX Loan Type ( s ) : [ Federal / Private / FFEL / Direct ( if known ) ] Approximate years loans were serviced by XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, we spoke with XXXX XXXX, supervisor, at XXXX, XXXX XXXX  XXXX to request all communication be done in writing see attached letter. During this phone, she stated our lump sum offer was decline because it was below authority per their client. She stated she would email me us the denial letter but would not send anything else in writing as requested because '' they don't have to '' as things have to be done over the phone. As of today XX/XX/XXXX we still have not received the email from XXXX XXXX XXXX denying our offer or receipt of the email we sent asking for all communication to be done in writing. They are purposely making this process difficult for us with no end in sight. We are not asking for anything outside of our rights. They are refusing to put things in writing to continue to be deceptive and predatory hiding under that they are recording our calls so that's enough. I want ALL communication in writing. I want the denial letter and confirmation they received the below email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This is now my third time disputing these same accounts. 

In my previous dispute, I formally requested the method of verification and the names of everyone they contacted, as allowed under 15 U.S. Code 1681i ( 7 ) and I still havent received a response.

Under 15 U.S. Code 1681i ( a ), if an account can not be verified, it must be corrected or deleted. That has not happened. These accounts are still reporting inaccurately, and no real investigation seems to have taken place. 

This continued negligence is not only harming my credit but also causing XXXX  and financial XXXX. The credit bureaus and furnishers are clearly failing to follow proper FCRA procedures. 

Please see the attached letter for full documentation and timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continuing to report inaccurate and misleading information to the credit reporting agencies, despite multiple written disputes and the submission of supporting documentation demonstrating the inaccuracy. 

The account referenced above was paid in full and closed on XX/XX/year>. Despite this, the creditor continues to report 38 months of charge-off status, along with late payments, which is factually incorrect and misleading. 

I submitted a formal dispute under FCRA 623 ( a ) ( 8 ), providing documentation including account statements and confirmation of payment and closure. In response, the company issued a denial, asserting that the information was verified as accurateyet they failed to provide any documentation or evidence supporting the reported delinquencies.

This constitutes violations of the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving a dispute notice.

FCRA 611 ( b ) : Failure to correct or delete inaccurate or unverifiable information.

Given the lack of evidence and continued reporting of unverifiable negative information, I respectfully request that the Consumer Financial Protection Bureau direct the furnisher to delete the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ), as the data can not be properly verified and does not accurately reflect the accounts status.

Attachments : Original dispute letter Furnishers denial response Documentation confirming account closure and payment Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continuing to report inaccurate and misleading information to the credit reporting agencies, despite multiple written disputes and the submission of supporting documentation demonstrating the inaccuracy. 

The account referenced above was paid in full and closed on XX/XX/year>. Despite this, the creditor continues to report 38 months of charge-off status, along with late payments, which is factually incorrect and misleading. 

I submitted a formal dispute under FCRA 623 ( a ) ( 8 ), providing documentation including account statements and confirmation of payment and closure. In response, the company issued a denial, asserting that the information was verified as accurateyet they failed to provide any documentation or evidence supporting the reported delinquencies.

This constitutes violations of the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving a dispute notice.

FCRA 611 ( b ) : Failure to correct or delete inaccurate or unverifiable information.

Given the lack of evidence and continued reporting of unverifiable negative information, I respectfully request that the Consumer Financial Protection Bureau direct the furnisher to delete the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ), as the data can not be properly verified and does not accurately reflect the accounts status.

Attachments : Original dispute letter Furnishers denial response Documentation confirming account closure and payment Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-20 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: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi is discriminating against me on XXXX  XXXX  options, it's available and them suddenly unavailable without any explanation. I tried to request the services for transactions that posted to my account in XXXX on the XXXX and the XXXX and did not see the option available. When I looked into the XXXX XXXX service prior the only requirements were that the purchases were over XXXX and posted within the statement period. When I inquired to with an associate XXXX on XX/XX/year> as to why the option was suddenly unavailable, I was giving no response. The chat was transfered and then I was told by another associate that the XXXX XXXX plans are periodic, I was never told this before. I had an extensive chat with a previous associate about qualifying purchases for the plan and that my account ending in XXXX was eligible. Now after I have made a significant purchase for my birthday, the plan is no longer available on my account, and I have not been told why. I have been given no notice. How can purchases be planned if the option becomes unavaiable randomly, without explanation to the consumer. I always pay my bills. Citi is discriminating against me and won't provide a clear explanation as to why the option is completely unavailable to me suddenly. It comes off as trying to get interest fees out of me by removing the option as soon as I make a high amount of purchases all of a sudden. I will use XXXX going forward since Citi does not value me and is discriminating against me.

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 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Representatives on XX/XX/XXXX ( XXXXXXXX XXXX ), XX/XX/XXXX ( XXXX XXXX ) XXXX, and XX/XX/XXXX ( XXXXXXXX XXXX ) XXXX provided conflicting information ; one stated the foreclosure would proceed after XX/XX/XXXX despite an active appeal. Please escalate this for compliance review. 

We paid payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX on XXXX, XX/XX/XXXX, and XXXX. 

Demand letter sent and due by XX/XX/XXXX. Appeal sent due to errors certified mail. We never received a modification denial and had to reapply. We called once in XXXX to make a payment and they said no to wait until the loan modification is approved. We are behind but can resume monthly payments and want to keep our home. I was off work did a year after a car accident. Im now back to work and the vice president of XXXX 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Experian lists an address that does not exist. They report XXXX XXXX XXXX XXXX XXXX. There is no such place. The correct address in XXXX XXXX XXXX XXXX- which they have listed as well. I asked to have it removed but they said it is reported from a previous creditor. XXXX XXXX. That loan was paid off 7 years ago and I no longer have a relationship with them. Eperian says I need to contact them to have it corrected. With no relationship with XXXX XXXX, that just isn't possible. Consumers should have more control over the information reported When it is such an obvious mistake.

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 2025-10-20 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-20 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$270.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$43.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
It's taking too long to pick up my car, and there system canceled my voluntary repossession while I was Chatting with XXXX XXXX. 
On XXXX XXXX, I requested a voluntary repossession. On XXXX XXXX, I asked for an update. I never requested a cancellation of my voluntary repossession, but the system cancelled my voluntary repossession. Now, I have to wait who knows how long. And I feel like West Lake Financial is doing this son purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my third and final attempt to have my personal information corrected by [ Experian / Equifax / TransUnion ].

For over three months, I have mailed certified letters with my valid Illinois State ID, Social Security card, and recent bank statement as proof of identity and address. Despite this, the bureau continues to send duplicate letters requesting the same documents and has not removed or corrected outdated names and addresses.

I mailed another certified letter on XX/XX/year> with all required documentation. I am requesting immediate correction of my personal information in compliance with FCRA 611 ( a ) and confirmation in writing once completed.

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