vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: 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 2025-05-05 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: 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have not been able to log in to my account for the past several weeks. I get the attached error, after I enter my login credentials. I had called online help earlier. The rep asked me to try a different browser, delete cache/cookies/etc. ; however, nothing worked. I asked them to reset the pwd, and it worked then. Since then, after a couple of days, when I tried logging in, same issue again. I called again and the rep hung up after a while. 

I emailed their customer service, but no response and help. It happens for all browsers even after deleting all cookies and cache. I can log into other banks perfectly fine. 

BMO has not bothered to address my issue. Clearly, there is a problem that is rendering my password inactive.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not and never have lived at the addresses listed above, therefore they should be removed from all credit reports. They are reporting on all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
This account was open for capital one on XX/XX/XXXX its for the account its closed on XX/XX/XXXX with a balance of {$340.00} its showing the payment status of current with payments being made on time for the last five months but its showing a closed account so I am confused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Dispute, Cease-and-Desist, and Demand for Verification I am writing to formally dispute the unauthorized inquiries appearing on my credit report regarding the accounts listed below. These inquiries were not authorized by me, and I request their immediate investigation and removal in accordance with federal law. 

Disputed Inquiry Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the following consumer protection laws, I demand a proper reinvestigation and verification : 15 U.S.C. 1681b ( 2 ) : Requires permissible purpose and consumer consent for inquiries on a credit report.

15 U.S.C. 1681q : Prohibits obtaining a consumer report under false pretenses.

15 U.S.C. 1681c-2 : Requires the blocking of information resulting from identity theft and prohibits the reappearance of such information once blocked.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Prohibits the re-reporting of fraudulent accounts once they have been removed.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to conduct an investigation and report accurate results within 30 days.

15 U.S.C. 1681n & 1681o : Provide for statutory and punitive damages in cases of willful and negligent noncompliance.

Additionally, I request the following actions : Cease-and-Desist : Immediately stop all reporting and collection activities related to these unauthorized inquiries.

Forward Flow Agreement : Provide any agreements between your organization and third parties related to my account.

Investigation & Response : If you can not verify these inquiries with valid documentation, they must be deleted from my credit report immediately.

Failure to comply with these legal obligations within the required timeframe will result in further actions, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm the resolution of this matter in writing. I expect full compliance with the Fair Credit Reporting Act and all applicable laws. 

Sincerely, 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 2025-05-05 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: CA

Complaint narrative:
Experian Service is manipulating my credit information with XXXX, and high credit debts appear, and they won't give me a personal loan for this reason. 
But Expirian Service offers me personal loans with its providers in minutes. 

I want supervision of Experian and XXXX, two credit companies that collect clients, and I want many names not to appear in my record. They are all the same, only some write them in full name Maybe the company doesn't have space to write my full name. 
,

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 2025-05-05 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:
I am a victim of identity theft. some one has opened multiple credit cards in my name, car insurance and multiple inquiries were made!! Ive never gave anyone permission or authorization to open these accounts. Inquiries are, XXXX XXXX XXXX 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 2025-05-05 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: NC

Complaint narrative:
I am a victim of identity theft. some one has opened multiple credit cards in my name, car insurance and multiple inquiries were made!! Ive never gave anyone permission or authorization to open these accounts. Inquiries are, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SECURITY FINANCE CORP
State: NV

Complaint narrative:
I am disputing the charge-off status reported by Security Finance Corporation on my credit report under account number XXXX * * * *. This account was charged off and has not received any payments since XX/XX/XXXX. As the balance has remained unchanged and the account appears inactive, I am requesting clarification of the account status. 
If this debt has been canceled or forgiven, Security Finance is required under IRS guidelines to issue a Form 1099-C ( Cancellation of Debt ). I have not received such documentation. If the debt is still valid, I request validation of the debt, including a full payment history and confirmation of current ownership or servicing rights.

I am asking for a proper investigation into this account and a response confirming whether the debt has been forgiven ( and if so, that a 1099-C will be issued ) or whether it remains active and accurate. I also request that the charge-off be removed from my credit report if the debt is no longer legally enforceable or has been canceled.

I am making this request in good faith and would appreciate assistance from the CFPB to ensure this matter is resolved fairly and in compliance with federal regulations. 
Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Balance Reported : {$370.00} Date of Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
RE : XXXX XXXX,2025 Private Loan Account Number ending : XXXX XXXX AND XXXX To Whom It May Concern : Subject : Formal Complaint and Request for Private Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( XXXX XXXX XXXX XXXX XXXX ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XXXX 2025 concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Customer service gave me incorrect information that caused me to miss payments. 
I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. 

Given that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm 4. Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors 5. Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense, and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld.

Thank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker. 
Sincerely, Private Loan Account Number ending : # XXXX AND XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-05-05 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: AZ

Complaint narrative:
On XXXX/25 I submitted a complaint thru the cfpb. Regarding account XXXX XXXXXXXX. After all the explanations the furnished gave. The account is still not showing accurate information on my report. There are at least 2 different dates opened displayed on my report From 2 different bureaus. Countless metro 2 violation through the whole account. The account says charged off. Furnisher said it charged off. Why wasnt i sent a 1099 form. Where is it? Send me the 1099 so I can address with my cpa. And immediately remove this inaccurate account.

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 2025-05-05 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: AZ

Complaint narrative:
On XXXX/25 I submitted a complaint thru the cfpb. Regarding account XXXX XXXX. After all the explanations the furnished gave. The account is still not showing accurate information on my report. There are at least 2 different dates opened displayed on my report From 2 different bureaus. Countless metro 2 violation through the whole account. The account says charged off. Furnisher said it charged off. Why wasnt i sent a 1099 form. Where is it? Send me the 1099 so I can address with my cpa. And immediately remove this inaccurate account.

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