vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NM

Complaint narrative:
I am writing to dispute an item currently listed on my credit report. The information being reported does not meet the accuracy standards required by the Fair Credit Reporting Act ( FCRA ) specifically, it fails to reflect maximum possible accuracy, as clearly outlined under Section 607 ( b ) of the FCRA.

Let me be direct : I have reviewed the entry in question, and it contains inaccuracies that are misleading, incomplete, or otherwise not fully verifiable. Because of that, this item is not only damaging it's also non-compliant with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved and continues to cause severe disruption to my financial well-being. The inclusion of these unauthorized items has profoundly impacted my life, causing significant stress, anxiety, and tangible financial harm including denial of credit applications and increased interest rates on existing accounts. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft, and the continued presence of these items represents a clear violation of my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Im contacting you regarding a hard inquiry that has shown up on my credit report and I want to be absolutely clear : I did not authorize this inquiry in any form, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

I never applied for credit with the company that made this inquiry, and I never gave consent for my credit to be pulled. That means this entry is not only incorrect its a direct violation of federal law. 

Under the FCRA, a credit inquiry must have either my explicit authorization or a legally valid reason to be on my file. This has neither. I dont care whether it was an error or a case of misuse it does not belong there.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
Opened a Cashapp account on XX/XX/XXXX using my legal name, XXXX XXXX. Immediately received a prompt say my name was violation of Cashapp rules and regulations. So I added XXXX XXXX  and it allowed me to create an account and I was sent over {$40.00}. When I tried accessing those funds I received a message saying I need to verify my identity and to follow the steps of taking a picture of the front and back of my drivers license followed by a biometric photo of myself. Every time I completed this step I got a message saying my identity couldnt be verified. I repeated this set over XXXX times since XX/XX/XXXX at the advice of a cashapp representative either on the chat or by phone with the same result of not being able to verify my identity. I was then told to on XX/XX/XXXX and also on XX/XX/XXXX to upload my legal documents to a site sent to me with a case number XXXX and XXXX. Both times I sent drivers license ( front, back, and sides ) and my marriage certificate along with photos of me holding these documents. Each time I received an email back saying my identity couldnt be verified. Then the prompts and customer service start all over again running me around in circles to complete these same steps over and over again and I keep explaining that I am getting the same exact error message every time. I have gone as far as to ask Cashapp themselves to refund the {$40.00} to the sender and allow me to delete the account but the instruct me to follow the process that is not working. This has been upsetting and frustrating with no resolve and I feel as if my funds have been taken and wont be returned and XXXX fearful that my legal documents are in danger of being stolen. As of today XX/XX/XXXX this matter is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX  and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
The following accounts listed on my credit file were not opened by me and are unauthorized. I request their removal as required by 15 U.S.C. 1681g within 15 days. Enclosed are documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 recently identified multiple accounts on my credit report that were created without my authorization. I suspect they are fraudulent. In accordance with 15 U.S.C. 1681g, I am requesting their deletion within 15 days. Supporting evidence is enclosed.

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I informed this company that this account was not mine I went through a credit consultant that fix your credit this was removed from other reports before XXXX and again in XXXX and they're adding this account back once again which is reflecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I made the XXXX loan payment for account # XXXX XXXX wire transfer as I have done since opening the account. After receiving a reminder email, I promptly responded to confirm that the payment had been sent and provided a photo of the confirmation as verification. Despite this, on XX/XX/year>, I received an incoming wire to my account labeled wire reversal, indicating that the payment had been returned. 

Throughout the month of XXXX, I spoke with multiple Selene XXXX representatives to determine the cause of this issue. I was informed that a default rate had been applied to the loan, and I would not be able to make any additional payments until the issue was resolved. During these conversations, I was repeatedly assured that both the default rate and any related fees would be reversed, and once corrected, I could proceed with making payments. On XX/XX/XXXX the last day to make a payment, I received an email from a supervisor advising me. the wire reversal was my fault and they would not change the rate back. Giving me no time to contact the manager to avoid any more fees for the month. 

After more than a month of back-and-forth and waiting, I was informed by yet another representative that I now need to submit a written dispute letter to initiate a resolution. I was also told that no manager was available to speak with me at this time.

XX/XX/XXXX my dispute letter was submitted. Still no response to my letter. I wrote an email today to XXXX XXXX whom has been my point of contact since the discrepancy to follow up but I will not be expecting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NH

Complaint narrative:
Back in XXXX  my wife and I consolidated our student loans. My wife 's portion of the total amount was {$8600.00}. In XXXX the rules for loan forgiveness was changed so I now qualified to have my portion of the loans forgiven. The date of forgiveness was backdated to XXXX of XXXX. So I had been making payments from XX/XX/XXXX to XX/XX/XXXXXXXX  in the amount of {$9100.00}. I was informed that I would be entitled to a refund of those funds since my loan was forgiven. When my loans were forgiven Mohela said I had to pay {$1200.00} to pay off my wife 's portion of the loan consolidation which we did. 

When I did not recieve my refund for pastpayments Mohela said that money went to paying off my wife 's loan. I have been dealing with them and actually made compalints to the Department of Education without any satisfaction. Mohela continues to say the refund was used to cover my wife 's portion. How can they say that the no portion of the payments we made from XXXX XXXX  until XXXX of XXXX  went towards my wife 's portion of the loan? Even if they want to claim that I have the documents to show my wife 's portion was less then the amount of the refund and the {$1200.00} I want my full refund or at least the {$1700.00} they overcharged me for my wife 's portion of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am writing to request the urgent removal of several fraudulent accounts from my credit report. I had no part in their creation or use. In line with 15 U.S.C. 1681g, I expect their deletion within 15 days. Supporting documents are provided.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Collection agency name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX, XXXX Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear JEFFERSON CAPITAL LLC, I recently checked my credit report and discovered XXXX  accounts with your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor secu
ritized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. I have an Identity Theft Report with FTC. See attached. Please remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I am filing a complaint against Equifax for continuing to report inaccurate and outdated account information despite multiple disputes and phone calls. 



XXXX XXXX XXXX XXXX XXXX is still reporting a {$1800.00} charge-off balance even though a 1099-C was issued in XXXX canceling the debt. Equifax also continues reporting monthly charge-offs through XXXX, which violates FCRA and IRS guidance XXXX 
XXXX XXXX  XXXX XXXX XXXX is reporting a {$640.00} charge-off balance, even though the debt was sold to XXXX XXXX. XXXX  should not be reporting a balance once the debt is sold, and this creates duplicate tradeline issues. 
XXXX XXXX  is still reporting a {$780.00} charge-off balance, even though the fall-off date is XX/XX/XXXX. I was told this is not eligible for early exclusion, which contradicts policy. 
Equifax has refused to remove dispute remarks from these accounts despite several phone calls and promises that they would be deleted within XXXX hours. 
Early exclusion requests have been denied across the board even for accounts that are within XXXX months of the scheduled fall-off date. 




I am requesting CFPB review and correction of these items. I have also uploaded a merged document showing my Equifax report, 1099-C, and complaint summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf after discovering the presence of late payments on my credit record that appear to be inaccurate or unverified. Despite sending formal dispute letters to the relevant parties over 30 days ago, I have not received any response, and they have completely failed to provide me with proper validation of these disputed items as required by law. This lack of response and failure to validate the accuracy of the reported information constitutes a serious violation of my consumer rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-06-16 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: FL

Complaint narrative:
Someone used my social security number to get auto insurance through XXXX. He never paid it and XXXX send me to collections. I need this report to file a police 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 2025-06-16 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation